BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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: Public record information inaccurate

Complaint:
Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, XXXX, TransUnion ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, XXXX, TransUnion. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX  Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,

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 2020-09-16
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Below is the email that was sent to the company Hello, in regards to XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX It has come to my attention that my loan for the subject property has been signed up for the forbearance program without my request to be done. I do not want this program. I was told by XXXX XXXX, the customer service representative, on XX/XX/XXXX that my loan has been in the forbearance program since XXXX of this year. Please remove this from my loan as it has negatively affected my credit report. 

Also, I have made contact previously in regards to another credit report issue due a late payment from XX/XX/XXXX that was, in fact, not late at all. I also just learned that the payment for this month XXXX of XXXX was also named late. This is not true either. 

I have attached the credit report for both " late payments '' affecting my credit negatively. 
I have also attached both checks that were used to pay those statements and they had been cashed. 

Please resolve these 3 issues and remove them from my credit. 
I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX Thank you for getting these issues resolved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Loan ID XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Nationwide Credit & Collection, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide credit continues to call me, even though I do not have any debt with them. I have tried to have them remove my number from their database to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I called PNC Bank and spoke with XXXX XXXX ( XXXX ), and I asked for her supervisor several times during the conversation. She said that she needed additional information from me. After displaying her carefree attitude, I told her that I would like to speak to a supervisor to address my concerns. I initially asked to fax in a copy of my Power Attorney for my son ( XXXX XXXX ). I explained to her that I wanted to pay the fees on his account because the account was closed, and he had a severe XXXX XXXX XXXX. She was very dismissive. She said her supervisor was in a meeting. No other supervisor was avaialbe. I even asked to speak to her Supervisor, Supervisor and she told me that they were not available. 

I have a doctor 's appointment today at XXXX, but as soon as I get a chance, I will close my account and take all of my money out of their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am now able to explain why Bank of America XXXX XXXX XXXX and XXXX XXXX along with employees multiple agencies were in bed together were trying to cover up which came out XX/XX/2021 XXXX in the morning. Claim No. XXXX stolen from me inside, Claim No. XXXX that XXXX XXXX assured me was mine with provisional payment also stolen from me but everyone trying to play tricks on me by denial and I now see why, below. 

On Saturday morning XX/XX/2021 around XXXX XXXX of XXXX XXXX and explained to me 1. you do have an XXXX claim 1. XXXX XXXX. XXXX after a long wait from as she said the Tech department that they said all your XXXX and Social Security benefits went into the same account with bank and you must talk to them about this. The person has the same name but an different address in Michigan and he is not from California the money came from California XXXX program that is what they mean about California and he did get your money. 

Then on Sunday morning I spoke to XXXX at XXXX XXXX and she said yes we will credit your account your claims dispute benefits and yes we can credit it while the Fraud Investigation is pending. 

Then I spoke to

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 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Capital One have over 4 different hard inquiries on my credit file. I been contacting the credit bureaus since XX/XX/2021 regarding these inquires but they still hadnt been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: DE
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:
My Credit History with XXXX and Experian have been noted with inaccurate information which both companies after hours of communication and attorney letters refuse to correct and fail to protect the US consumer as all parties have either closed the debt complaint and or agreed it was fraudulent charges made by stolen information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Affirm Holdings, Inc
State: SC
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:
Yes, a XXXX XXXX XXXX was purchased on my way in affirm financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with XXXX and to to no avail nothing has changed. XXXX responded back and told me that affirm confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
I previously disputed an incorrect bankruptcy on my Experian Credit Report. 

I have done this three times in XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

I filed a complaint with CFPB on XX/XX/XXXX concerning this issue. 

Experian responded with the same response as previously. They did not look at any of my supporting documentation, including a letter from the court. 

It is clear that the bankruptcy court does not report to any credit bureau for this bankruptcy matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I have worked with XXXX and XXXX on this matter and they removed the erroneous bankruptcy immediately. ONLY EXPERIAN IS REPORTING INCORRECTLY AND THEY HAVE REFUSED ANY ATTEMPT TO REMOVE THIS ERROR!

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 2017-11-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I happened to notice a collection on my credit report by CREDIT SYSTEMS. 
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. 
It was recieved on XX/XX/2019. 
I have not yet received a response from this company verifying this collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I paid off the balance on my Capital One credit card of over {$6000.00}. I did not receive a bill in XXXX, due to XXXX  balance. In XXXX my statement claims I owe {$19.00} in interest. I called Capital One and spoke with XXXX who said there was nothing he could do for me. I asked to speak to his manager and he transferred me to XXXX ( ID # XXXX ). XXXX informed me that the interest charge was on from the dates of XX/XX/XXXX to XX/XX/XXXX. She refused to waive the interest even though I have been a customer since XXXX. 

Capital One has very shady practices with regards to fees and interest charges. Furthermore, they place absolutely no value on customer loyalty. Beware of getting a Capital One card, you will be hit with hidden fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am unemployed, and thus, have fallen behind in my payments. I have received several calls daily from Citizen 's Bank regarding my past due account. On XX/XX/XXXX, I agreed to pay {$130.00} toward my past due amount, which would bring the payment current, and set up a payment plan, which was to commence on XX/XX/XXXX, to pay {$87.00} ( 86 and change ). I was told that as long as I stayed with the agreed plan, I would no longer receive phone calls. 

I received a letter on XXXX, stating I am past due. I also received a call on that day at XXXX XXXX. I was told that I would receive calls until the account was current. I called to their attention that I had an agreement, and that my payment was not due until XX/XX/XXXX, and that I was unable to pay until that time, and they said the calls would stop. I was called AGAIN, on XX/XX/XXXX, where I informed the caller of my agreement, I was told I am still past due, and made a {$100.00} payment. I was told that my case would be put into a queue, and that I would no longer be called as long as I stuck to the agreement. I received ANOTHER call and text after THAT call. I responded to the text by calling in AGAIN. I was now told that the calls will continue unless I send in a Cease and Desist Letter. I am now making a formal complaint. I will send in a C & D letter, but this is ridiculous. I paid what little I can pay. I paid before my agreed date, and I am still getting calls. 

I am XXXX. I am XXXX years old. I have over 20 years experience in my field and a XXXX XXXX XXXX, but getting no interviews. I am doing all I can. I do not need the added stress of being harassed, when I have made an attempt and agreement, in good faith, and that agreement is not being honored. They state that the calls are being recorded -- I doubt that, because they would not continue to call and harass knowing they have been given an agreement. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS WAS A RESULT OF IDENTITY THEFT, THIS ACCOUNT IS NOT MINES.

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 2022-03-01
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it may concern, Im writing this complaint with multiple concerns. My brother & I have very similar names and my XXXX  XXXXXXXX score seems to be attached to his name and I can not get through to XXXX. I do not know what, if any, credit information is on file with XXXX but Ive found it impossible to get in touch with them to explain the issue. 



For the medical debt, I had no knowledge of a {$650.00} bill that went into collection until it appeared on a credit report while applying for the mortgage. I called the collection company ASAP and paid the debt off with the understanding that they would remove the collection account from my credit report and were sorry for the miscommunication. Months later, Im now applying for a new mortgage and the collection is still there but the debt shows paid. The collection company would not provide a letter or do anything to remove this from my credit report ( despite promising my payment would have it removed ). 



If someone can please help get my credit reporting information correctly associated to my name it would help a lot. If you review my history, one would see that Ive always had good credit/managed my expenses. This collection account is hurting me financially in a rather significant way and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received a letter on  XXXX   XXXX ,  2017  to decrease credit line. It provides generic reasons for creditworthiness along with a  credit score d ated  XXXX   XXXX ,  2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.

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 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received notice in 2021 that I was in default for a XXXX credit card, I was told it was for a card I had in XXXX. The debt was settled thru a third party several years ago. I no longer have the supporting documentation because its been more than 7 years. Now, this collection agency insists I owe this money and I do not owe it. I find it ridiculous that after all of these years they are trying to get me to pay something that I no longer owe. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: NV
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:
Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Rhojo Enterprises, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I had a contract with a XXXX cellphone company called XXXX and had to discontinue that contract because I had to move from XXXX to USA. Legally I could stop the contract if I proved that I was moving away from my XXXX address. SO I did provide all this information to XXXX and received a letter with the confirmation of the disconnected account. 
About one year later I received a bill from a collection agency with an open amount for Euro XXXX for the remaining months I already was not living in XXXX anymore and had NOT used the service anymore because it was closed. I never received a letter from XXXX that I would owe that money and started to complain to the collection agency a law firm called XXXX XXXX XXXX. 

I called that company and finally sent a letter to them on XX/XX/XXXX ( attached ). After this letter I have not received any response from them anymore. Neither that the solved the issue nor that they still wanted to collect the money. 

That has been more then 5 years ago and end of XX/XX/XXXX I receive a letter from a collection agency who claims that they try to collect that money from XX/XX/XXXX but this time because of the years ( interest 8 % per annum ) {$1000.00}. 

I called the original company XXXX in XXXX and asked how that can happen and if the have any information about that. They say there is no file about my case anymore. It only says that the did refer my case to XXXX XXXX XXXX in XX/XX/XXXX. 
I called XXXX XXXX XXXX and they say they have NO record of my case anymore and do n't collect from XXXX anymore. The company who now collects for XXXX in XXXX have NO file on my case. Their name is called XXXX XXXX XXXX XXXX XXXX XXXX. They told me that it might be fraud. 

Now the letter I received from XXXX recovery says I should pay them that amount. 
BUT the firm XXXX says they already forwarded my case again to a firm called XXXX because they could not recover the money from me since XX/XX/XXXX. I NEVER received a single letter from them.XXXX told me about them and also about the other collection agencies I never heard about. Before there was supposed to be a collection agency called XXXX who tried to cellect the money. 
I have NOT received a single letter from any of this collection agencies and have not received a single phone call. 

I would like to see prove of any of these collection agencies that they ever sent me a letter trying to collect that money from me. As I said the first letter I received was on XX/XX/XXXX. 
Please advice me what to do.

Company response to consumer: Untimely response