BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
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:
I was logged into Experian and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, two companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both Experian and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with XXXX and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have had my information compromised in several different breaches. Just to name a few ( XXXX ), my current phone provider, as well as ( XXXX ), which is my jobs service portal. During these breachs all my information exposed my full name. Date of birth, XXXX, and Driver Lincened #. Someone has applied for a card this month alone ( XXXX ) twice using my information. The first one was with Capital One, which I do currently bank with. However they applied for and credit card, the location of the fraud was in XXXX North Carolina. I city and stated that I do not reside in. The second attempt was with XXXX XXXX Bank. This attempt took place on XXXX XXXX, and was done online. I am a victim of identity theft, and I need this problem to be taken care of immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
So my sister passed away XX/XX/2020. She left no will husband or kids. I'm her last living relative. While she was alive the home loan was on forbearance. Forbearance ended now the mortgage is about 4 months behind. When I first as like to wells Fargo they told me to fax documents and such. They'd would make me successor of interest. Then I would get calls asking what I wanted to do with the house. Keep up with payments or sell. I want to sell. Well now it turns out I can't be the successor of interest cause supposedly I didn't send proper documentation. Wow seriously?! It's almost going to be a year and nothing gkt done!

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 2020-04-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report for XXXX  and XXXX  and both showed and account for CONVERGENT OUTSOURCING INC for the total amount of {$970.00}. I have contacted all 3 companies in an attempt to remove this account from my credit file. I sent a series of four letter requesting the verification of this debt I owe to CONVERGENT OUTSOURCING INC ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all certified. The first 2 were collection account validation letters of which I received 2 responses on XX/XX/XXXX and XX/XX/XXXX with an itemized copy of a XXXX bill will my name on it. I then sent my last 2 letters of I requested validation of the debt under the Fair Debt Collections Practices in addition a copy of Spears Vs. Brennan as an example of how their response does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. I then was sent a fraud packet that looks from XXXX to fill out but to send it back to CONVERGENT OUTSOURCING INC. with a copy of my police report and license. I Never signed a contract with Convergent Outsourcing I have been trying to remove this account from my credit report for months and it just keeps lowering my score and making my file decrease by claiming I set up an instalment agreement to make payments and lowering my score by reporting missed and late payments. The last letter was one that I will start to take legal action so here I am.

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 2022-04-27
Company: DISCOVER BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I requested a wire transfer of {$79000.00} ( approx. {>= $1,000,000} pesos ) with a {$30.00} wire transfer fee on Friday at XXXX p.m. from Discover Bank XXXX XXXX Bank in XXXX, XXXX. On XX/XX/XXXX, the wire transfer was processed. On XX/XX/XXXX, XXXX XXXX  received the funds from XXXX ( which I believe is XXXX XXXX ). The problem is that the amount received was only {>= $1,000,000} pesos ( approx. {$3500.00} USD less than I sent ). 
After verifying that the money was not taken by XXXX XXXX XXXX XXXX, I contacted Discover bank ( DB ) & spoke with XXXX XXXX XXXX XX/XX/XXXX. She said once they send the money to Federal Reserve they are done with transaction. So I asked her which Federal Reserve did they send it to, but she couldn't tell me which one or give me contact info. She did give me a XXXX number and I found a telephone number online of a Federal Reserve. I called but they said they only service banks and not consumers & DB could request a trace. I called DB back & spoke with a XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX & XXXX from XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. She agreed to do a trace. On XX/XX/XXXX I called her back, she stated she was still waiting for results. I called back on XX/XX/XXXX, XX/XX/XXXX and this morning XX/XX/XXXX and have left messages but not received a call back. I am frustrated, but I want the money someone stole from me returned. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: CITIBANK, N.A.
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:
All of my Citi Bank Credit cards were closed by Citi last week for no reason. I have never received any communications from Citi regarding the closure, including any text, calls, emails, or mails. I only came to find it out when I log into my online account and discovered that all accounts were closed. I called Citi and talked to a manager, who told me that he can't tell me anything and he can't help at all. I have a total of XXXX thank you points that I can't redeem.

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 2017-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Despite numerous attempts, TransUnion has NOT removed unauthorized inquiries into my credit report. 

It does NOT matter who can see these inquiries or not. These inquiries were UNAUHTORIZED. 

As TransUnion nor the inquiring company did NOT provide proof of my authorization, these unauthorized inquiries must be removed.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-09-29
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: Personal information incorrect

Complaint:
I was logged into XXXX and after that I logged into XXXX. Upon viewing my credit report with each agency I noticed SEVERAL inaccuracies. A lot of spelling errors involving my name, several addresses that are listed incorrectly, my student loan debt is listed several times and is being improperly reported, XXXX companies listed debts that I never consented and are n't mine, and lastly, several agencies have clicked into view my credit profile without my consent!! In the midst of trying to correct these errors, both companies logged me off and stated, " due to inactivity my session has timed out ''. I tried to log back in but both XXXX and XXXX stated that the number of times I 've attempted to login have been exceeded, thus my account has been locked! Then I tried to check my credit with Equifax and it would n't even allow me to login. I am so frustrated and I have a lot of money that is due to be paid to me from the state of Virginia and I 'm afraid that someone has compromised my information as a method to steal my money and destroy my life. Please forward t grievance to the appropriate companies as I should not have to pay to view my credit report when I never received a chance to even review it the first time!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've attempted to have Experian Investigate inaccurate accounts being reported on my credit profile to which they've responded they could not begin the investigation due to improper documentation.

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 2017-12-25
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After going to the hospital in XX/XX/XXXX, I paid my co pay ( {$50.00} ) at the time of service. Anyway, Financial Credit Network started contacted me about a XXXX debt from when I went to the hospital in XX/XX/XXXX. They put it on my credit report that I owe. Which I did not owe. The continued to ruin my credit by falsifying documents saying the original amount owed was {$65.00} and I had paid XXXX of the amount in XX/XX/XXXX. This is NOT true. I never paid Financial Credit Network in XXXX CA. anything, because I did not owe anything. Then they say I the amount changed to XXXX and I paid off XXXX in XX/XX/XXXXJust so they could keep it on my credit report. I have been fighting this for years. I know XXXX is not a large amount but these people wo n't stop. And they had to have falsified documents to say I made any payments, because I did not. This should be removed from all my credit reports for good. The charge is way to old and it was wrong in the first place. The credit reporting agencies had removed this charge several time, but Financial Credit Network in XXXX, Ca continue putting it back on my report. They even have the dates wrong. : This is on my report : Collections If you 've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

FINANCIAL CREDIT NETWORK INC Reported : XX/XX/XXXX - {$50.00} Needs Attention Overview You 've paid off 23 % of your collection amount. 
Balance {$50.00} Highest Balance {$65.00} Opened XX/XX/XXXX ( 5 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Consumer disputes - reinvestigation in progress Original Creditor Name XXXX XXXX XXXX Financial Credit Network Inc Financial Credit Network Credit reporting agency in XXXX, California Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Strategic Alliances, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt for toll was paid when XXXX XXXX charged my credit card XX/XX/2021. Proof of charge is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions 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:
I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: ROBINHOOD MARKETS INC.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/22, request was initiated for RobinHood to transfer account holdings. The reason why the account was closed was that RobinHood did not provide client the means to transact at the market price at the time of initiating the buy of shares. This is very poor service when compared to all other stock trading platforms. 

The account was valued at {$160.00} and Robinhood charged me a {$75.00} fee to transfer the account. I call this action " robbing from the poor! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a Hard Inquiry on my credit report from XXXX/ XXXX XXXX XXXX I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We departed our home on XX/XX/XXXX for a 28 day vacation across the country. When we left, we confirmed that our mortgage payment of XXXX was automatically set-up through bill pay to get to LoanDepot on XX/XX/XXXX. When we returned on XX/XX/XXXX and collected our mail from the US POST OFFICE, we discovered a letter from LoanDepot dated XX/XX/XXXX informing us that the XXXX ( we always pay extra to reduce the principle ) dollar payment we made on XX/XX/XXXX was insufficient funds for the new mortgage payment of XXXX. Attached to this LoanDepot XX/XX/XXXX letter was a check for XXXX dated XX/XX/XXXX, which was a refund of our XX/XX/XXXX mortgage payment based on what we knew when we departed for vacation on XX/XX/XXXX. They then charged us an XXXX late fee on XX/XX/XXXX and sent in a late fee payment notice to my credit report. When we discovered what LoanDepot had done on XX/XX/XXXX we immediately mailed in a check for XXXX for the XX/XX/XXXX payment and corrected the bill pay mortgage payment to XXXX for our XX/XX/XXXX and subsequent mortgage payments. LoanDepot received the XX/XX/XXXX bill pay mortgage payment and applied that to the XXXX mortgage payment and told us as of XX/XX/XXXX they had not received the XX/XX/XXXX mortgage payment or late fee. We then sent a second bill pay mortgage payment of XXXX to cover the XX/XX/XXXX payment to include the late fee. They received both the bill pay mortgage payment and the mortgage payment check on XX/XX/XXXX and applied these funds to our XX/XX/XXXX and XX/XX/XXXX mortgage payments. Our issue with LoanDepot is they never sent us any correspondence via e-mail ( which we were checking daily and they have on-file ) but relied only on USPS mail which we did n't have any ability to have access to until we returned from our trip on XX/XX/XXXX. We feel we should n't have to pay the LoanDepot late fee and LoanDepot should retract the late payment statement from my credit report. LoanDepot did n't do enough to make us aware of the increased mortgage payment for XX/XX/XXXX while we were physically not at our residence. If they had contacted by both via USPS and e-mail, our payments would have been on-time and in the correct amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX XXXX I Cosigned a {$4000.00} student loan through XXXX XXXX. In XXXX the borrower began having issues paying the loan and I sought information on several different occasions regarding deferment, forbearance, and income-based repayment plans. Every option was closed to me, as it was described by XXXX XXXX customer service representatives as " not any better than just making my payments on time. '' They said that if I wished to use any of these options there would be initial and monthly fees added on which would actually increase my bill more than what it already was. 

Since the inception of the loan Customer Service Representatives have made it difficult for me to discuss the loan with Navient ( formerly XXXX XXXX XXXX unless I had information from the borrower that I was never given, nor told to ask for. Conversely, at times when I would call CSRs would eagerly discuss the loan for which I was a cosigner as well as many of the other loan received by the borrower for which I was not aware or financially obligated. Inappropriately, the CSR discussed the status of borrower 's other loans in an attempt to seek payment from me. This demonstrated XXXX XXXX 's willingness to engage in subprime lending. They allowed borrower to continue to take out loans, though his 7 previous loans through the same company were in various stages of default. 

At four different times throughout the life of the loan ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) Capitalized interest has been added to the principle balance of the loan without explanation and without cause. Over the past six years I have paid approximately {$3600.00} to Navient/XXXX XXXX at 10 % interest on a {$4000.00} loan. However of the 3,600 only {$1200.00} of this has been applied to the principal loan. I still owe {$2800.00} of the principal amount. This loan has never gone into default and payments have been made on time for the past three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account to earn a {$300.00} promotional cash bonus. I have completed all terms and the time period within which I Was supposed to receive the bonus has elapsed. I have called and sent messages to the institution and have not gotten anywhere.

Company response to consumer: Closed with monetary relief