BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
In XXXX of 2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Attempted to make pays, but could not pary the amount they wanted. 500-600 dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ 500- {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from Homestar/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. Homestar/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX  AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

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 2019-01-06
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Citi about unauthorized transactions and they did not investigate and closed my credit card account for no reason and are not responding my my letters

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 2019-08-19
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: Their investigation did not fix an error on your report

Complaint:
Investigation did not fix problem on my transunion credit 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 2021-02-23
Company: Prosper Marketplace, Inc.
State: TN
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:
This is about Prosper marketplace that has a fraudulent account on my credit file Approximately two years ago I started receiving phone calls from this company telling me that I was past due on a debt. I continue to ask the company what type of debt are they talking about and the Company would repeat themselves and tell me that I applied for a loan and I was past due on my payments. Of course I thought this was fraud and they were just wanting information from me however as time goes on I Learned that this was real because they have now placed this on my credit I have attempted dozens and dozens of times to speak with this company however they refuse to speak with me because they say that they have been paid in full by another person however they have still placed this on my credit file. This is against the law what they are doing to me and I am demanding that someone look into this as soon as possible or I will be getting an attorney and researching all parties involved. Companies like this should go to jail. Unethical unprofessional and they just hang the phone up on me when I call this is tarnishing my credit I am in capable of purchasing a house because of this company my life is on hold and I am demanding some sort of answer from this company rather than hanging the phone up on me continuously. I am sick of it absolutely sick of it and I want this removed from my credit file immediately. 
They tell me to provide proof that this is not mine. How in the XXXX can I provide proof that this is not mine when it is indeed not mine? Its like Im having to prove I didnt do something when thats absolutely impossible to do. Any help whatsoever from anyone would be greatly appreciated because Prosper market place is a joke.

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 2020-08-03
Company: Kriya Capital, LLC
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:
Asked XXXX and XXXX to make sure everything was reporting compliantly because I seen that things were not the same across all 3 and I also seen something in collections that I never got notification about from credence. Also I never received responses with updated credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid for a medical debt that was sent to Radius Global Solutions. I took a screenshot of the below information from their website and I sent it to XXXX XXXX XXXX. The company is still attempting to collect on a paid debt and XXXX has yet to respond to my email. I have provided adequate proof on my end that this was paid for and they need to remove the negative credit reporting immediately. 

Reference XXXX XXXX Payment Amount : XXXX Payment Date : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Personal information incorrect

Complaint:
TransUnion - I called TransUnion to remove an inquiry that was previously deleted and placed back on my account without proper 5 day notice. The inquiry was placed back on my account on XX/XX/XXXX from XXXX XXXX. 

XXXX & XXXX - I have sent in police reports FTC reports Identification as well as Utility bills to remove incorrect addresses from my XXXX Account and they have yet to be removed after months and several times resending documentation and receiving verbal confirmation that they would be removed. The addresses as well as other info that is inaccurate and needs to be removed is as follows. 

" XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: EQUIFAX, 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 information incorrect

Complaint:
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX XXXX. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: DISCOVER BANK
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:
Last year I found a false account with Discover reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Discover denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Discover refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: Experian Information Solutions 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:
Experian is the only bureau reporting several accounts inaccurately and they are in violation of the Bankruptcy Stay ... 
-- - They are reporting 13 accounts for - US Dept of Ed - every month and reporting Lates as recent as XX/XX/XXXX!!! These accounts were included in my bankruptcy which was discharged and these old accounts should not be updating after a discharged bankruptcy. The other bureaus are not reporting like this, they stopped in XXXX like they were supposed to when they got the notice of Filing on my bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2021-01-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was reviewing my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response. These accounts are hindering it is keeping from gettin auto Lon or mortgage. Please verify and remove these items from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY
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: Other problem getting your report or credit score

Complaint:
Approx XX/XX/2021 my ONLY mortgage from TIAA Bank was transferred to XXXX XXXX XXXX. What was unusual was that for the first time in 14 years I was now being issued a brand new account number. I called TIAA to protest the reassignment of my account number and voiced my concern of credit concerns and how it registered with the credit bureaus. I was told its recognized by the credit bureaus and will see no significant changes..Its a bunch of XXXX that I was sold! 

I just checked my XX/XX/XXXX credit report as I do each month from all 3 bureaus. XXXX shows : 1 mortgage account was closed ... This will remain on your account for 10 years ... 
XXXX  details for my score this month shows : : On your previous report you had 1 open mortgage accountnow you have 0, which usually means you closed a mortgage account. This could hurt or harm your credit score. Your total number of open mortgage accounts has decreased by XXXX. ... ..

Well obviously so! My credit score has dropped by 20 points! My score has fluctuated by 2-3 points each month for years. The only other factor was a balance increase of {$1500.00} on 1 cc, commonplace and in the past has led to my score dropping by only a few points.

Credit bureau tips always suggest not to close accounts. More importantly the TIAA rep ****NEVER ADVISED ME THAT THE ACCOUNT WOULD SHOW AS CLOSED. ALSO TIAA PAPERWORK NOTICE STATED THAT THEY WERE TRANSFERRING THE LOAN, NOT CLOSING THE ACCOUNT. THIS WAS MISLEADING AND WILLFULLY LIEING TO THE CLIENTS**** What action is going to be taken by the irresponsibility and negligence of this action by these mortgage companies and practices??? This is not a rhetorical question. WHAT ACTION WILL BE TAKEN? 

By selling off loans, lending companies raise money so they can lend to more prospective buyers. Meanwhile, TIAA and XXXX  have negatively affected my credit! A bunch of liars!!! 

I am livid, angry and frustrated. I hope you take this SERIOUSLY. Ty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I disputed a charge for XXXX from XXXX XXXX XXXX. Citibank immediately reversed the charge on that date. When I realized the charge was valid on XX/XX/XXXX, I went into the statement, selected that charge and asked to reverse the chargeback. When I did that, it took me to another screen and it said an error happened. And I noticed at that time that a disputed charge from XXXX of XXXX for XXXX appeared, but I took no other action. When I went into the statement again on XX/XX/XXXX to pay, the charge of XXXX was now part of my balance ( attached statement ). I immediately contacted Citibank and reported this. We spoke to XXXX who gave us a case number of XXXX and said it would have to be sent to their investigation unit and we should hear back within 7-10 business days. On XX/XX/XXXX, we still had not heard anything and the charge was not reversed, we contacted Citibank once again and spoke to someone else who said, after we explained what happened, that this is a KNOWN problem and it has happened to others before and that not to worry, it will get taken care of. On XX/XX/XXXX, we still had not heard anything and no changes had occurred to our account, we asked for a supervisor. We spoke to her and again she acknowledged on a recorded phone call that they are aware of this problem but they could not do anything about it. We asked to have it escalated to her manager. We received a phone call later that day from XXXX who said there was nothing that could be done. We have also contacted Costco since it's through them that we have our credit card. After numerous emails with them and phone calls, they determined they could not assist. We had a chat conversation again with Citibank on XX/XX/XXXX ( see attached ) where they said we would have to go back to the merchant since they could no longer do anything. This was their computer glitch error and we are not going to chase this money down that should not have been reversed. I hope you can assist. thank you.

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 2021-02-23
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Synchrony bank lowered my limit from {$700.00} to {$300.00} XX/XX/21. Card was not used and they reported card over limit on XX/XX/21. It is my understanding this should not happen for 45 days after the limit was lowered.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 name is XXXX XXXX born XX/XX/XXXX, XXXX, and I am a victim of identity theft.

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Logged in on XX/XX/19 all I wanted was to lock my credit report, forced to put in credit card. Charged $XXXX  on XX/XX/19 for continued service I didn't know I signed up for. Canceled service once on XX/XX/19. Charged $XXXX   on XX/XX/19. Tried to cancel service again on web site received incorrect directions how to close service on website over an automated phone service and couldn't get through to a real operator.

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