BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: EQUIFAX, INC.
State: NC
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 have been trying to get these incorrect addresses belong to me removed from my credit report. I have sent letters every month to XXXX, Equifax, and XXXX  and I have not received any mail back from them and no movement. 

Please remove these wrong addresses proof of my residential address is attached : XXXX  XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX Equifax XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Carington Mortgage recently marked our credit report late on XX/XX/19. We sent a payment and some how it got returned back to us in the mail after the 30 days had past. We sent to the same address as we have done in the past so not sure how that happened. As soon as this was brought to our attention I made payment immediately but the damage was already done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, TransUnion XXXX and XXXX XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: NY
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:
Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX, XXXX, XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My loan with Wells Fargo denied me Gap payment after I paid off the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a mortgage refinance application to Navy Federal Credit Union ( NFCU ) in XX/XX/2020. As of XX/XX/2020, I still have no timeline for when closing might happen. 

The current mortgage is with NFCU and I have had five or more mortgages with NFCU over the years. I have never missed a mortgage payment ( 100 % on time payment history ). My credit rating is excellent and my assets are multiples of the refinance loan amount. My income is more than sufficient with a low debt-to-income ratio and a very low loan to value ( <30 % ) ratio. 

The process has been lengthy. The loan processor has been unresponsive at times and takes up to a week or longer to reply to requests for status on the application. 
The loan processor has also been unprofessional and acts as though he is the customer. There have been multiple requests for the same documentation because of disorganization on the part of the processor. 

The latest Loan Estimate incorrectly includes charges for items that were not required ( {$490.00} appraisal when the appraisal was waived ). The loan estimate also includes charges for items that I paid for already directly ( {$120.00} condominium questionnaire that I obtained and paid for directly ). It also includes an inflated loan payoff that does not reflect principal payments made during the application period. All of these items were brought to NFCU 's attention the last time I was asked to sign a loan estimate and have not been corrected. 

I understand that volume is very high, but this is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with NATLCRSYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: AR
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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX I XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Time is of the Essence to this request. Friend needs emergency XXXX. Friend was robbed and attacked and has XXXX XXXX, XXXX, XXXX needs XXXX. I started a Wire Transfer XX/XX/2019 for emergency XXXX for a friend of mine of XXXX $ Reference # XXXX at Suntrust Bank in XXXX XXXX, Va. Suntrust has some arrangement with XXXX XXXX in New York to be the intermediary. I contact XXXX and they refused to check status. I contacted Suntrust same result. 

I sent wire expected quick delivery. 

Please prosecute, penslize and take enforcement action. 

I paid fee of {$40.00}. 

My friend is going to die unless funds are transferred asap.

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 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need help from the consumer bureau I dont know what else to do with Trnasunion beside you sue Transunion After I sent a letter and also reporting to the consumer Bureau They sent me a letter saying that they are unable to process my request because they are unable to determine the nature of my request or is illegible I sent several Letters and disputes with details and proof and even like that they have the nuts to say they dont know what is the nature On my reason Transunion is one of the worse of all the credit bureau XXXX could it understand the nature of my dispute but not Transunion Doing over and over violations of my rights I sent a letter telling that the last date active were wrong, and didnt even match with any other reports So my disputes are trash? 
Last letter to sue Transunion They are treatment in an unfair manner and violating the credit act They say they had investigate I dont believe that Im suing Transunion After the conclusion of the report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I made a payment for the date that I made the payment.I have XXXX for the bank account.The bank said they took the money out and so did Capital One. They said the bank rejected my pay mentor when XXXX will not even let it go through if the money was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Acceptance Rentals, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

Company response to consumer: Untimely response
Consumer complaint received 2021-07-03
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Cash App, a subsidiary of Square., is holding preauthorization charges on my account triple the typical amount of time such charges are usually held, thus effectively playing keep-away with my funds that I should have access to. This financial technology company, Cash App, is also mishandling disputed transactions and it appears to have no customer service number whereby customers can speak with a live agent ; there is only chat, text and email options the protocol of which keep changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX HAS BEEN REPORTED ON MY CREDIT REPORT. BUT THE CHARGES AND THE ACCOUNT IS NOT MINE. ITS A FRAUDULENT ACCOUNT WITH FRAUDULENT CHARGES. AN IDENTITY THIEF STOLE MY INFORMATION AND PRETENDED TO BE HE/SHE MAINTAINED THIS ACCOUNT. CHARGES WERE NOT MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
In XX/XX/XXXX I purchased a couple laptops from the XXXX XXXX. I was encouraged to apply for the XXXX Rewards Visa card issued by Barclays Bank. I was told that for the next 18 months there would be ZERO interest. After the 18 months, I figured they would start charging normal credit card interest rates. Over the 18 months, I NEVER missed a payment. Some months I even paid early. At the end of XX/XX/XXXX, I noticed that, on a balance of {$2500.00}, Barclays was charging me $ 1100+ in back interest. To make matters worse the were reporting to the credit bureaus that I was 60 days past due even though the payment I made in XXXX was for the XXXX payment. I have reached out to them on several occasions to remedy the situation with no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I recieved two unwanted and annoying phone calls. I informed CBE group that the information on which they were basing the collection was inaccurate and that there was no current debt. I received letters from threatening my credit rating and other adverse actions. I have sent them the following letter.CBE Group XXXX XXXX XXXX XXXX, IA XXXX Debts Identification NumbersXXXX  XXXX XXXX XXXX Dear Sirs : Recently, I received harassing phone calls and letters trying to collect the above debt. It appears you failed to do due diligence and are harassing me about a debt which is no longer valid and has not been for many years. 
The original billing and request for over payment was for services to Medicare patients through my corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The request for overpayment was part of a Medicare audit associated with an investigation by the Office of  Inspector General over 15 years ago. The case involves issues of federal and state jurisdiction which are still being litigated. The medical necessity and billing issues you refer to were appealed. 
You are without grounds in your request for repayment. The statute of limitations on Medicare overpayments was three years and extended under Obama to five years. It is more than a decade since the statute of limitations ran out. Additionally the legally appropriate resolution under Medicare law is that such dates were repaid from future billing. My company is long out of business and I have not billed Medicare in  more than a decade. There is no legitimate debt that gives you the right to call me and send me dunning letters. You are operating outside the framework of Medicare law and consumer protection laws by pursuing me for this debt. 
I am submitting a complaint to the XXXX XXXX XXXX so that you and other collection agencies are made aware of the rule of law and protection of consumers from your predatory practices. 
Please cease and desist all further collection efforts Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: JPMORGAN CHASE & CO.
State: TX
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, I saw that Chase had an offer online for a new Chase Sapphire Credit card. This card normally has a {$95.00} annual fee. I called Chase on XX/XX/XXXX to see when I would need to pay this fee. I was told on the phone that this fee would be payable upon renewal after the first year and that I would not need to pay the {$95.00} fee for the first year. 

Given this information, I signed up for the Chase Sapphire Credit card on XX/XX/XXXX. On XX/XX/XXXX upon receipt of the card, I was immediately charged the {$95.00} annual fee. I called Chase on XX/XX/XXXX to inquire about this fee and to recall my XX/XX/XXXX conversation. I was told that I was given the wrong information and that the customer service representative that spoke to me on XX/XX/XXXX would receive additional coaching, but that the {$95.00} fee would not be waived. I was told that upon cancellation of the card there would still be an outstanding credit inquiry which would hurt my credit score since the card was approved. I cancelled the card. 

I was given incorrect information on XX/XX/XXXX which led me to sign up for this card. Then I was told that I would have to pay a fee or suffer the consequence of a reduced credit score upon cancellation. This is misleading and speaks to Chase 's unwillingness and irresponsibility to address its own mistakes. I hope something can be done about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25
Company: TCF NATIONAL BANK
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, following a merger with Chemical Bank, TCF Bank updated mortgage loan information for customers including new loan numbers and the need to reestablish online profiles. XXXX A letter from TCF Bank to customers dated XX/XX/2020 was ambiguous & contradictory about the steps customers were to take next : noting both " if you have authorized automatic direct payments from a savings or checking account from TCF bank or another bank, there is no need to do anything. We will continue to process your payments without interruption ; '' as well as " Any payments you previously scheduled to be paid on or after XX/XX/XXXX will no longer be paid. You need to reschedule the payments after enrolling in the new service. '' To confirm, despite the contradictory information provided by TCF, all customers with recurring/automatic payments were required to reenroll. // Upon reenrolling, customers have two payment schedule options : pay the statement/invoice amount on pay date ( TCF does not offer another date option ) or pay a fixed amount at a fixed interval. After enrolling to pay the invoice amount on each due date and having the subsequent automatic payment fail, I contacted TCF customer service on XX/XX/2020 to determine the cause of the issue. // After a 1 hour 40 minute hold time, I was informed by TCF that their automatic payment functionality did not support invoice amount payments and that the relevant section of the website was not functional. When asked if XXXX had plans to make this clear to their customers, they made no such disclosures available. // When asked how TCF planned to rectify late charges for customers who thought their payments would be made on time due to automatic payment enrollment, TCF noted that customers had an 11 day grace period to rectify their issue on their own but that the failed automatic payments were not TCFs responsibility. // Finally, when questioned about why TCF statements do not reference the 11 day grace period, the customer service representative responded that TCF intentionally omitted those details, " because otherwise people won't pay their mortgages on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified by XXXX/Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX on XXXX XXXX, 2017 regarding an alleged debt. 

On XXXX XXXX, 2017 this debt was paid and I was told the account was closed. I was also told I would receive a letter stating the account has been closed. 

As of XXXX XXXX, 2017 I have received no confirmation letter stating the account has been closed. Source Receivables Management has taken payment to close an account and has not closed the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX of XXXX I had an agreement with Heartland ECSI and XXXX XXXX University to place my student loan in forbearance for 12 months. Instead, Heartland ECSI placed my loan in deferment for 3 months only. 

When I spoke to Heartland ECSI, they said I needed to call XXXX XXXX University. When I spoke with XXXX XXXX, they said I needed to call Heartland ECSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 keep trying to call the credit cards during the coronavirus and they wont answer.

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