BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
XXXX. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account.

2. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For TRANSUNION 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

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 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2018-03-04
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith chase just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wayfair Comenity Bank offers promotional financing with 0 percent interest for 12 months. I recently made a payment to satisfy the outstanding balance on one of these offers in addition to my regular monthly payment. When i looked at my account in the new billing cycle, the payment was not posted to my account and instead was applied to my other revolving balance. When I contacted Comenity, I was informed that the payment had been applied to my highest apr balance, and therefore not to my promotional balance. The account summary on the website is as follows : Promotional Plans Plan 406 - 2 6 MONTHS DEFERRED INTEREST, PAYMENT REQUIRED Remaining Balance {$220.00} Expiration Date XX/XX/2020 To avoid additional finance charges, make sure to pay each promotional plans remaining balance before its expiration date. 

I made the {$220.00} payment to the account in addition to my regular monthly payment per my statement. The {$220.00} was not applied to this balance. It was applied to my outstanding balance at the highest apr. How misleading. When i called the representative said she would have to make sure that our minimum payments had been met before she could move the balance I asked if I made a payment toward the next plan if it would apply when i also made the minimum payment. She said she was unsure and that i would have to call after the billing cycle to see how it was applied. Her best recommendation was to look at my credit card agreement. Other similar accounts at XXXX XXXX  are handled fairly. This seems like a highly deceptive practice. Basically, the bank is counting on you not paying any attention. 

I also reviewed my latest billing statement. It also has lots of details on the promotional plan and many disclosures, however, no mention of this payment disbursement practice. 


Thank you, XXXX XXXX XXXX : I have include

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was court ordered to get my ex-husband 's name off of the mortgage loan. I had already thought his name was off and had contacted Citimortgage about this. After being redirected to many people, a specialist assured me that my ex-husband 's name was off the mortgage loan. A week later when I received the court order, I contacted Citimortgage again. This time a different person figured out that he was off the deed of the house from when we did a Quick Claim Deed a few years ago, but his name was still on the loan. After trying to refinance at 2 different times and getting denied, I contacted Citimortgage Inc. to obtain paperwork for a release of liability claim. This was stated on the court paperwork. Otherwise, I would not have known about doing a release of liability. On XX/XX/XXXX, I received the paperwork which was just like applying for a refinance of a loan. It was long and tedious for a person to do by myself. I had to pay a {$900.00} fee in order for underwriters to take a look at the paperwork. They said this fee was non-refundable. On XX/XX/XXXX, I was notified of a denial of the release of liability.

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 2020-07-06
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I purchased a home in XXXX and U.S.Bank Home Mortgage  bought the loan. In XX/XX/XXXX My husband and I divorced. XX/XX/XXXX I qualified for mortgage assistance program. I was told and have in writing that the only requirements were that I made a payment every month for 4 months and the loan modification would be premiant and I would face no penalties as long as those payments were made. On XX/XX/XXXX ( the month of my final trial period payment ) I received a call stating US Bank needed a copy of my Drivers license faxed to their office. On XX/XX/XXXX I sent the copy of my drivers license along with my loan number via fax to the fax number US Bank provided. On XX/XX/XXXX I received a call stating the copy of my license was never received and I am therefore kicked out of the mortgage assistance program and held responsible for all fees and penalties and possible foreclosure. I asked the representative how to get them the proof that I sent the drivers license, the representative stated it doesn't matter if I had proof that I sent it because they didn't receive it therefore I'm non compliant. No where in the signed paperwork does it state that this is a requirement even though I did send it and have been compliant with all requests regarding the mortgage loan. I have called US Bank multiple times and spoke with different reps all saying the same thing, that because they did not get the copy of the license they are kicking me out of the program. All paperwork and copies requested by US Bank have been sent. I believe this is their way of getting out of making the lower payments permanent and forcing people into foreclosure.

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 2020-09-04
Company: Experian Information Solutions Inc.
State: TX
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:
Credit / ID security breach XX/XX/XXXX. Issue resolved XX/XX/XXXX. Experian removed the fraudulent activity from my credit report, but my credit report did not return to the pre-breach score. The stolen ID fraud activity reduced my Experian score by 12 points. After the correction, it increased by only 6 points, which causes my score to dip down below the next credit level by 2 points. Experian refuses to repair or even make a note in my file about the event, which will impact my ability to secure a lower interest rate on a purchase.

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 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for the Capital One Quicksilver Rewards credit card after a pre-approved letter was sent by Capital One. I signed up for this specific Quicksilver Rewards credit card because it was and still is stated on the Capital One website to have a cash bonus of {$150.00} after spending {$500.00} within the first 3 months. I was approved on XX/XX/2020. On XX/XX/2020, I called Capital One to inquire about the {$150.00} cash bonus because, up until this date, I had spent well over {$500.00}. Note that all my statements were paid in full well before their due dates. They stated that I was not eligible for the {$150.00} cash bonus although I had the same Quicksilver Rewards card that is stated to have this cash bonus. The customer representative stated that the Terms did not contain this cash bonus information, but after looking at other Capital One credit card Terms, there are no areas that designate terms for cash bonuses. A major contributing factor in signing up for this card was because of the {$150.00} cash bonus that's stated all throughout the Capital One website. Capital One has used misleading marketing and advertisements to gain customers in a fraudulent manner, by marketing a cash bonus for the Quicksilver Rewards card but only applying that bonus in certain conditions. I will be planning to completely cancel my Quicksilver Rewards card with Capital One if I am not granted the cash bonus that was advertised and marketed on the Capital One website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: MD
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 paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is 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 2020-09-04
Company: Convergent Resources, 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: Account status incorrect

Complaint:
XXXX XXXX sent me to collections ( Convergent Outsourcing ) for an a box which I returned to their office years ago. They included {$200.00} for the box and {$75.00} for a " Last bill ''. As stated earlier the box is in their office and I don't know how I was being charged {$75.00} for a last bill if the account was always on autopay and when I closed out the account there was nothing due. After years of going back and forth they finally removed the equipment charges on XX/XX/20 but they refused to remove the {$75.00}. I chose to stop fighting them and pay the {$75.00} with the promise that they would delete my collection from my credit because it should've never gone to collections to begin with. On XX/XX/20 I paid this " last bill '' ( I felt I didn't owe ) and they requested deletion of the collection. As of today, this collection is still reporting on my credit and the collection agency and XXXX refuse to remove 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 2020-12-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX of 2020, my PayPal account was permanently limited for no reason. I have over XXXX dollars in my account balance that I am not able to withdraw at all! This is the livelihood money that I depend on and PayPal prevented me from withdrawing the money for no reason. I tried to contact the PayPal phone service but no one was available to answer due to Covid-19. Then I tried to email and send messages to the chat center but no feasible solution was given. The locked up my money illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, 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:
Good morning. i noticed some inaccurate items on my credit report. i sent a dispute for fraudelent accounts. Please delete them. It has been way over 50 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX - ( XXXX ) XXXX shows an inquiry on my credit report from Experian. There is a security freeze on all three credit reporting agency. I called XXXX and the loan was approved and furniture delivered in North Carolina. I informed XXXX, rep, that this is a fraudulent transaction. I live in XXXX 

I want to know why a security freeze did not stop the transaction...

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 2020-12-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report and saw the company Wakefield collecting for a company called CEP of America to companies who I HAVE NEVER done business with, This has to be the result of identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan problem started on XX/XX/XXXX, with a CARES Act Forbearance Plan granted by our Lender, New ReZ / Shellpoint Mortgage Servicing. The Forbearance Plan dates were XX/XX/XXXX thru XX/XX/XXXX. We are both seniors with a VA mortgage and returned to work after Covid-19 was somewhat under control. On XX/XX/XXXX, we paid our Forbearance Plan Balance of {$26000.00} in full. Shellpoint received our payoff on XX/XX/XXXX. We received a letter from Shellpoint stating our account was current and regular payment would be due XX/XX/XXXX. We were not credited for the Forbearance payoff on our Tax Form # 1098. Shellpoint was often notified by email and phone that the {$26000.00} was outstanding. We applied with several other mortgage companies to refinance and found that New Rez / Shellpoint had filed a 30-day late pay payment with the credit bureau XXXX With the refinance we got in XX/XX/XXXX, the {$26000.00} was included in the payoff. The unjust amount is still paid each month,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Reference CFPB Cases XXXX and XXXX CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : First, the answer given by XXXX XXXX stated : " Our records confirm, on XX/XX/XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XX/XX/XXXX ''. That is NOT CORRECT! They never sent it to my current address. NEVER! Secondly, the total stated in their answer IS NOT THE CORRECT AMOUNT! The correct number is a total of {$2300.00} Details Checking - {$110.00} Savings - {$2200.00} I did call them and they confirmed by their support, they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " Security Number '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because this mess caused by them, I just want ALL my money back ... just that. When I requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet. Thank you very much. XXXX XXXX. This is the third time complaining about it, THIRD and CapitalOne is not solving it the way it should. I should suffer for someone else mistake. Attached the print screen of the account.

Company response to consumer: Closed with explanation