BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Convergent Resources, Inc.
State: KY
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:
There is a collection account appearing on my credit reports from Convergent Outsourcing. It shows that this is for a XXXX account but I have not used XXXX for any services in over 5 years. Convergent Outsourcing keeps updating the date on my credit report so they can try to show this debt is more recent than it is and avoid my state 's statute of limitation laws in accordance with debt collecting. This is not accurate credit reporting and despite my attempts to dispute this with the credit bureaus, this has not been resolved.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpos

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 2020-11-07
Company: Experian Information Solutions Inc.
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}, {$11000.00}, {$340.00}, {$0.00}, {$5600.00}, {$0.00}, {$8600.00}, {$12000.00}, {$0.00}, {$0.00}, {$0.00}, {$600.00}, {$0.00}, {$3000.00}, {$13000.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

11. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

16. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

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 2019-06-27
Company: AMERICAN EXPRESS COMPANY
State: WV
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:
I have made a purchase product has being received the payment, bluebird consumer services held my money and declined me the funds that was in my prepaid card several times. I feel my right is being violated. I am reporting this unlawful action against me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX/XXXX and XX/XX/XXXX someone went into the Home Depot store in New York and New Jersey with and used a fraudulent license to make charges on my account. They did not have my credit card so they allowed them to use this license to charge on both occasions. The totals were : XX/XX/XXXX {$370.00} XX/XX/XXXX {$550.00} When I received my statement in XXXX I called immediately to alert them these were fraudulent charges. I also told them I called in a fraud alert to the credit bureau. They said they would open a claim. I still kept getting a bill so I called and they said they denied the claim. I told them how could you deny this is fraud. I had to maintain the minimum payment or I would be reported to the credit bureau. She refiled the claim again. They only removed the charges from XX/XX/XXXX. So I filed again and they denied it once again. This has been going on since XXXX they just keep giving me the run around. I still have a bill for {$520.00} and they are today they are claiming they dont know why the investigator keeps denying it. I once again have to pay the minimum or risk being reported. Can someone please help they are trying to make me responsible for fraudulent charges despite everything I have told them and I dont even live in that state. She asked for my license so they could compare. I thought this was strange because unless they made a photocopy of their license at the register how could they compare??? I also reported to them that Im XXXX someone tried to open 7 credit cards in my name and make charges. No other company allowed the charges to go through. They all removed the credit inquiries from my credit report. This is the only company that has been horrible to work with and makes their customers responsible for fraud. They also told me the Home Dept card is run by CitiBank

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 2020-11-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage monthly mortgage payment is {$1000.00} ; the mortgage insurance is {$65.00} ( which goes to escrow ), which brings my total monthly payment to {$1100.00}. On XX/XX/2020, I made a check payment of {$1100.00} to Citizen 's One Home Loans, indicating the payment was for the XXXX Mortgage, Interest, and PMI. This payment was made using the XXXX bill stub, sent in the envelope. Citizen 's One Home Loans applied this amount to additional principal instead of My XXXX payment. I advised Citizens One they are no longer responsible to pay my property taxes, therefore I am not sending them any money toward my property taxes. Citizen 's One is deducting {$360.00} out of my monthly payment and placed into the escrow account. The only amount that should be going into the escrow account every month is {$65.00} ( PMI ). The rest should go to the mortgage principal, interest, and additional principal. Any amount in excess of {$1100.00} should go to additional principal. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
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:
A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

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 2022-03-09
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The number of payments eligible for PSLF is incorrect and Ive tried to correct this and no one seems to know how to help. Ive been in the medical field working for a qualified employer since 2010. I was also on XXXX with $ 0 monthly payment that I was told would still count toward forgiveness. But not all those payment are being counted as forbearance which would not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.

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 2019-06-27
Company: Consumer Financial Services
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:
In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the XXXX XXXX app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet XXXX XXXX took it upon themselves to just completely delete the account since they found neither party of any foul play.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: EQUIFAX, 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/2018 I received my credit report Report # XXXX  from Equifax after disputing several items on it, I also disputed the same accounts with XXXX Report # XXXX well the accounts were not listed with XXXX so I didnt have to dispute them with XXXX. The accounts I disputed with XXXX  were investigated and removed, Equifax say they verified the account and therefore would not remove them. I dont understand how one Credit Agency can remove the items and another one cant. Its my understanding that all credit reporting thru the 3 Bueruas the information is suppose to be accurate and correct. Because of the inaccuraties i would like to have Equifax remove the items in question. 

Please see attached files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: EQUIFAX, INC.
State: NC
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:
On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I lost my job during the shelter in place order mandated in XXXX of 2020. I used my savings to continue paying my rent and bills however once that ran out I had credit accounts go into delinquency. I was able to negotiate hardship terms for most of my cards however both times I called and explained my situation to account representatives, they said they were unable to remove late fees due to their company policy. I called on two different occasions between the months of XXXX XX/XX/2020. By late fall, I had been charged several fees which made paying the minimum due to bring the account current impossible. I am on unemployment and receive {$400.00} a week. This is not nearly enough to live on but it's all I have. I would like to settle this account as soon as possible to end the negative remarks being reported each month. My credit score is very low and this account is one of the reasons why. I have remained current on all other cards who worked out payment plans and have paid off over 3 accounts however my score only drops further instead of showing any improvements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Information belongs to someone else

Complaint:
Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX  XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
on Monday XX/XX/XXXX i call the wells Fargo reward center about my rewards the customer service why i did n't get my XXXX dollars reward because i already spend XXXX dollars in first three months they check for me saying that the promotion rewards is i need to spend XXXX dollars in first three months i said no then they transfer me to talk to their supervisor the answer is the same i tell them when i apply online they said is i need to spend XXXX XXXX in first three months why now it change to XXXX dollars they said nothing they can do they are cheating me

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 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my Transunion Account : XXXX XXXX -XX/XX/XXXX, XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX  XX/XX/XXXX,XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX -XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXXThe Following was not authorized on my XXXX or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -XX/XX/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