BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-17
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:
On XX/XX/2018 I sent out a certified letter with proof of identification to XXXX  in regards to removing the unverified accounts XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in XXXX 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.

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 2018-03-20
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XX/XX/XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. XXXX XXXX collection practices are illegal and unethical. I have also made written them stating that I do not owe this debt.

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 2018-05-03
Company: Investment Retrievers, 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: Old information reappears or never goes away

Complaint:
I have tried to contact investment retrievers regarding an account that I never owned and they told me to dispute it and it will be deleted and that was correct except it still remains on XXXX after 90 days and I am trying to close on a home and this is holding me back I just ask that since its verified it didn't belong to me why wasn't it removed from all 3 not just 2 reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been with chime since XX/XX/2019. I had up to XXXX being deposit each month from payroll. Im also self employed. I was trying to make an order with XXXX when it declined my card. I tried logging into my account and it said it was closed due to a deposit agreement. I didnt agree to anything. Im at a lost right now because I have bills to pay, kids to feed, and more. Why would they close my account without notifying me early. Or even try fixing the problem i had XXXX all my funds in there now its gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/2019, I applied and was approved for a Capital One Spark cash back credit card. The card offered 2 % cash back and offered a large welcome bonus after spending {$50000.00} within 6 months of account opening. I earned a total of {$3500.00} in cash rewards. In early XXXX, Capital One closed my account. I called to ask why and was told it was because I had a returned payment. This isn't true, as evidenced by account history. I asked again why my card was shut and was given a generic response regarding a " fraudulent '' transaction. This too is untrue, all charges are valid and I never reported fraud. Capital One refuses to honor my rewards balance of {$3500.00}. I requested it be applied to my card balance on multiple occasions within days of account closure. They have refused. This is simply stealing money from me. Capital One continues to bill me interest on my full balance, which should be reduced by the amount of my rewards balance. Capital One has not provided an honest reason my account was closed and has seized the rewards I earned legitimately, moreover they have lied regarding the reasons for the closure. This is unconscionable conduct. I understand they have the right not to do business with me, but that shouldn't give the bank the right to steal what I have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a complaint prior to this one with no response. In the interim my wife and I can not secure credit for new family projects due to the credit information being provided by EQUIFAX that does not appear on the credit reports of the other two bureaus. Now seems personal and extremely bias/racist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few month ago I called You Bank of America to ask if windstorm coverage was necessary, since the loan ( {$220000.00} ) to value ratio was low ( home is appraised over {$2.00} XXXX ). The land value alone is valued at more than tree times the actual loan we hold from you. In any case, the answer I received from your office Was NO, no need for it. We changed our carrier because we found that they would included all of our needs in one policy, ( Cars, Collectibles, Umbrella, Contents, etc. ) Now after all is done, you are requiring us to get windstorm!? We even went trough a mayor Hurricane and nothing happen.. not one claim! The house was build beyond the requirements of the building codes. 

We have been for years very good customers, even through hard times! We have been paying mainly interest with very little principal ( that should be illegal ), without complaining. I have spent TWO hours, mainly on hold try to ask to speak to supervisors ; no help, the answer Ive got was to send a letter, by mail! I asked for a name and email NO there is no such thing

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 2018-03-20
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2017, I clicked an online offer from XXXX. I applied for the personal loan and didn't realize that the interest rate was predatory in nature and that it is all front-end loaded. I made payments on a semi-monthly basis for three months in the amount of {$250.00} ea payment for a total of {$1700.00}. Yet, my principal was only credited by {$84.00}. 

My complaint is that the lender should allow my payment to lower the interest and principal proportionately during the months that I paid. By charging me predatory interest rate and only allowing my payments to pay for interest and not paying down the principal placed undue pressure on me to payoff the loan. XXXX should pay me back the principal that would otherwise be paid. 

My account number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ACQ Holdings, LLC.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.

can this be legal??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt Validation letter was sent, company refused to delete fraudulent information from my credit report. I do not have a contract with this company please remove this harmful fraudulent account from my files.

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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
SEE ATTACHED DOCUMENT OF MY STATUES MAILED XX/XX/2021, ALONG WITH FTC REPORT. ITEMS REMAIN IN THE SAME STATUS.

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 2019-04-25
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already disputed this debt with XXXX XXXX, I disputed that the debt was not mine they could not produce any documents that would validate, they were told that a ftc fraud affidavit would be made if they didn't correct there mistake. They removed it from the credit reports, now they have sold the debt to XXXX XXXX, I have filed the fraud affidavit with the FTC and submitted it to the credit report agency 's, if XXXX XXXX doesn't remove from all three credit report agency 's, I shall be force to take legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was using the suggested deferment options and when I lost my job I called to tell them. They told me to use another deferment and I said yes. Thy dint tell me that the papers where going to come by mail and they sent them to a wrong address and the deferment don't go in to action. Now I have two late payments in 11 different accounts from them and my credit is in bad shape because of that. I have called and they just don't want to hear or help.I think this a horrible thing to do to young students.

What can I do?

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The lender changed closing dates and times twice and did not communicate with closing company. They cost parties money by doing this. When getting confronted about closing changes they stopped a close date again. At closing the package that was emailed over was full of errors. Thankfully XXXX XXXX were able to find errors and fix. The closing was set for XXXX. By the time the lender sent over correct paperwork it was XXXX XXXX. All parties waited. Completely unprofessional.

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 2020-06-06
Company: Experian Information Solutions Inc.
State: MA
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 contacted Experian in regards to disputing wrong information on my credit report. They are reporting name, addresses and phone numbers I never had nor authorized. Please I need this items deleted off my credit report. I asked to delete XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX ma 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 2017-11-28
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a co-signer on an original XXXX XXXX loan obtained in XX/XX/XXXX and now owned by Navient. The primary borrower has been sporadically negligent on the loan payments as of the first year ( XX/XX/XXXX ). The last payment was made in XX/XX/XXXX and due to the consistent decline in my credit score ( solely as a result of this account ) and retirement on my horizon, I am currently attempting to pay-off the loan in full but trying to negotiate a lower pay-off amount. In the past year, I have been called by Navient repeatedly and harassed to the point of hanging up. I have spoken to many representatives and have been informed that my current lifestyle does not reflect a legitimate hardship and, therefore, does not warrant a lesser amount than the full balance. I am currently seeking employment but my monthly debt is being paid promptly and several items have been paid off with the equity of my home refinancing. As a XXXX year old women with a 20-year XXXX XXXX XXXX background, I can assure you, something is gone awry here. At the start of each conversation, I am consistently professional, hospitable and courteous - none of which they have been. As I try to speak, they speak over me. I have asked to speak with someone in management above them and they claim that is not an option. I have asked for an email address to further the conversation and I am referred to their website. I have been told I am lying and that I am " fully capable of making the necessary payment but choose not to ''. By the end of each engagement, I am frustrated and emotional. I have been threatened and accused by their representatives and this is an unacceptable method of doing business. I would like assistance in resolving and closing my account - with intention to never refer Navient or do business with them again! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have fake numbers, addresses, names on my credit report. I owed collections and had it removed off my report. A credit agency falsely put money on my report a agency went out of business was bought by another one and moved my credit over to the new company Portfolio Recovery with out my permission they also put an address on my report that made it hard to remove with a dollar amount, I never lived at the address. I found out checking my report on my free time. Someone tried to get my information threw my Landlord saying I owe a fake bill since I had the money removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: SYNCHRONY FINANCIAL
State: MA
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:
This is related to account ending with XXXX for Gap Inc. Visa Signature card issued by SYNCHRONY BANK On XX/XX/2018 - there were 2 fraud transactions made on account. I called customer service to ask about the charge and specifically asked if my card details are compromised. Here is what the response was - no there is no issue with the card. And 2 transactions are same amount credit and debit so there will be no impact on balance Then on XX/XX/2018 - there were almost 10 transactions made costing to in total of $ 2000+. I called back again to customer support and then the card was closed. 

In those 10 transactions on XX/XX/XXXX - there was one transaction from XXXX for $ XXXX for which I tried with credit card company to open the investigation 4 times ( XXXX, XXXX, XXXX, XXXX ) but always it got declined. All other transactions were found as fraud and balanced. 

Based on bank investigation, they are claiming that XXXX has shipped the item so charges can not be put in fraud. 

Here are some of questions that I asked to credit card company and never got answer ( credit card company has {$0.00} Fraud Liability claim policy ) : 1. I  have never purchased anything with XXXX, so can they supply a proof that they have any proof of legitimate notification as part of this sale or any notification sent as part of shipment notification 2. If there were so many other transactions that happened on XX/XX/2018 which investigation team found out to be fraud, does it not logically make sense that this might be one too 3. Investigation Team from the bank never reached out to me as part of 4 round of investigations. Not sure how they decided on this fraud case from other side. 
4. I never ordered any thing, neither I got a notification of any shipment so I never collected the package ( as I live in apartment ). So is it not possible that even though XXXX sent the item but package got trashed/misplaced during the holiday period Not sure what next an be done for the same.

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 2018-05-03
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had an agency look over my credit to help restore it. They informed me that the collecting agency, XXXX XXXX, had placed me in collections which caused a hard inquiry on my credit history. The date I placed on it reports for XX/XX/2017. I was never notified about this debt or an attempt to collect. The amount to collect is {$24.00}. I called to speak to a manager to pay off the debt and have it removed from my credit history and they always prompted me to an automated voice system. A few other attempts resulted in them hanging up on 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 2018-03-20
Company: JPMORGAN CHASE & CO.
State: MD
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 reported my card lost on XX/XX/17 and Chase Ink said they would close the account and send me a new one. However, they did not block charges on the old account, but continued to accept charges on the new account. I disputed the charges posted after I reported the card lost. The charges posted to the new account should never have been reported as fraud. They should have been blocked. 

No one should be responsible for paying charges after a card is reported as lost, and merchants who try to post charges to a card that has been reported as lost should not be charged with fraud. This company 's customer service department says that it can not do anything except report fraud. This leaves both the credit card holder and the companies with which she or he does business at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: ALLY FINANCIAL INC.
State: GA
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:
I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.

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