BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to 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 2021-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days after the fact and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are exploited and being disregarded about my disputes. If they can provide me proof that the dispute items are my debt. It need to be deleted as soon as possible. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Transunion will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Transunion that information is accurate. I have disputed this in XX/XX/XXXX and XX/XX/XXXX. Transunion will not provide me with the name of the company so that I can dispute directly with them. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court it. I want this bankruptcy deleted 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 2019-02-11
Company: Experian Information Solutions Inc.
State: WA
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:
can not get credit score number. Sent a check to pay for credit score number/ Just got a report. XXXX XXXX XXXX Lending officer tried to get score still dint show any score/

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 2018-03-07
Company: CITIBANK, N.A.
State: FL
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 contacted Sears and they agreed to remove the inquiry dated XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX  was done in error. I did not authorize Sears/Citi cards to do a hard credit pull for a credit limit increase. I have attached the letter showing my credit was not pulled due to a FRAUD ALERT on 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 2018-03-25
Company: Experian Information Solutions 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:
I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached

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 2018-08-02
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
My Wells Fargo XXXX credit card was closed by the creditor, it is in their collections. They added a new late to my credit report. If it already charged off or closed, can they continue to apply lates hurting my scores?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
Company: GLA Collection Company, 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:
These accounts have either been sold or transferred. According to my findings, I am no longer liable for the alleged debt, and no written communication, contract, or signature exist. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, this is and attempt to a violation of the FDCPA section 809 it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card info was compromised, there were numerous log in attempts, transactions and payments with out my knowledge of consent. Its been month Ive contacted the company numerous times no one has looked into it or anything! They keep talking me about a dispute from XXXX which was resolved but fail to look into what Ive notifed them about which took place on XXXX and is still occurring and yet Im being contacted by collections everyday for the debt! The company had also confirmed theyve sent my cards to incorrect address in the past!

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 2019-02-11
Company: WELLS FARGO & COMPANY
State: NY
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:
I tried to make a online payment as I do every month with the same banking information, The system kept telling me a error message. 

I therefore called to Customer Service to initiate a phone payment, Customer Service has advised me that the online payment center it out of service and all payments must be done in the Branch or By Phone. 

In the mean time that I kept trying to make the payments, Wells Fargo had me reported 30 days late with the bureau. 

Thanks

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 2017-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
yes I went on to XXXX XXXX andsaw i had a few capital one credit cards. I contacted capital one they stated i was cleared before of an account but still showed three accounts under my name and SS number to this day which has been over a year they have not cleared me of these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: RentDebt Automated Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Due to the job change, I moved from XXXX XXXX to XXXX XXXX on XXXX XXXX with my wife and XXXX old baby boy. It was a long journey that was not very pleasant. A few days later, I was called once by a stranger, who said she was from a collection agency for collecting the balance ( {XXXX} ) I owed to XXXX XXXX XXXX in XXXX, where we stayed when I worked in XXXX XXXX XXXX XXXX. Although this lady used very tough and unpleasant languages, I did not see any reasons that I was going to refuse to pay. I waited for the formal and written notice about the collection, so I can pay off the balance. At that time, I did not even know the name of the collection agency. 

After a while, I suddenly saw that my credit score from XXXX drops from XXXX to XXXX. I was so surprised because I keep my credit score above XXXX for a long time. I believe that the huge score decrease is due to this collection event. 

However, the problem is that I have never received any written notice from this agency. I do not even know how to pay the balance. If you look at my credit history, you will find that I have dealt with other collection agencies before, and I paid every balance I owed in a timely manner. So I have no collection in my credit history before. 

I was very angry to get involved into such unprofessional and unfair events from both the collection agency and XXXX since these careless mistakes have a very negative financial impact on my mortgage plan. I have a very great credit history ( > XXXX credit score ) and do deserve a fair treatment and evaluation. So I strongly suggest that both the collection agency and XXXX take the right action and correct their mistakes on a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CURO Intermediate Holdings
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From : XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX Subject : XXXX : Docket Number- XXXX : - XXXX XXXX ID : XXXX Case Number- XXXX Account value : {$580.00} Late payment costs : {$100.00} Interest cost : {$63.00} Total Debt : {$750.00} Your unpaid debt amount of {$750.00} to XXXX XXXX XXXX ( Speedy Cash ) from today we have passed your case you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible to court. So these legal proceedings were issued on your docket Number XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

This is all about a payday loan which was borrowed by you from one of our sub payday loan companies. There are so many payday loan websites like XXXX XXXX XXXX, XXXX  XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan. 


As you are aware the above account remains unpaid by you. Despite numerous reminder telephone calls requesting payment of this account but we were unable to reach you by phone so we can send you a final reminder email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: SYNERGY ONE LENDING, INC.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am having a problem with the management of my escrow account. 

Around XX/XX/XXXX, XXXX of XXXX, overwrote my property insurance with an incorrect policy. This has resulted in an incorrect payment being made, an incorrect adjustment to my monthly payment, a proof of insurance request from an outside vendor, and a threatening letter that I am underinsured. 

I called around XX/XX/XXXX, to speak with customer service and alert them to revert back my proper insurance information to avoid incorrect higher payments. I was told the issue would be taken care of. 

I wrote a letter on XX/XX/XXXX, via the secure online portal, following up on the actions taken. 

I called again around XX/XX/XXXX, to follow up. I was told that I was being transferred to a supervisor, but then was hung up on. ( After waiting an hour to be initially connected XXXX Now it has been over a month and I have had no resolution to this issue. I can not get through to customer service and I can not get a call or email back. This issues has cost me time and money, as incorrect higher assessments have been levied toward my mismanged escrow account ( since an incorrect and unnecessary payment was made from my acccount ). 

I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Pendrick Capital Partners Holding, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I tried calling to pay a debt no one was able to locate my debt when they said they located it they told me my last name was something completely different leading me to believe it was an error and I dont have a debt but my credit report shows different. The gentleman was rude and told me the account number I had was wrong and my Name and last 4 of my social said Im someone else multiple times. Never though it would be this difficult and be treated so poorly to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ). 
We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX. 
XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust. 
1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff. 
2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received. 
3. A letter dated XXXX informed us we had requested a payoff. 
[ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense. 
This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence. 
We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX. 
We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX  has confirmed was received by XXXX and transferred XXXX. 

We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.

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 2018-03-25
Company: Nelnet, Inc.
State: MA
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:
I made a payment of XXXX on XX/XX/2018 to Nelnet to pay off my studenbt loan A, which had about {$500.00} left on it. I used the site to specify that I wanted the full balance of loan A paid off, with the remainder going to loan E. They allocated {$410.00} to loan A, {$83.00} to loan C, {$500.00} ( this is the amount i specified for this group ) to loan E, and {$14.00} to loan F. I did not ask for a payment to either loan C or loan F. All of my loans were caught up and paid on time. Nelnet is asking to do a " research '' on why this happened, also claiming I had standing special instructions in place but could not tell me what those instructions were and where these numbers came from. I still owe {$61.00} on loan A as of today, when it was supposed to be paid off. They appear to both know and not know what happened - not sure why they have to research if they're standing behind this choice. 

I have had standing special instructions in the past, but they have only applied to my autopayment which has consistently been misallocated as well. Every month I have to chat with them at least once to get it fixed. My special instructions had stated to pay off the highest interest loan first with any additional funds in my auto pay payment, which would have been loan A in the first place. They could not give an answer as to why this wasn't followed, or even what they have for special instructions on their end. What do I do to get this loan paid off? I have been making consistent on time payments and had no balance due when I made the payment, as I have autopay set up for the minimum payment and make my additional payments manually, as I did in this case. There is no reason to go against my wishes when I submitted to pay by group on the site.

Company response to consumer: Closed with explanation