BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: Resurgent Capital Services L.P.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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: Old information reappears or never goes away

Complaint:
( 1 ) there are four accounts that are closed & older than 7 years old & legally should be removed from my credit reports ( 2 ) there is one account holder who report negative items three times two show no balance & as paid why aren't they removed if the reflect no outstanding balance ( 3 ) the company isn't allowing me to dispute any of this saying I already filed a dispute. That dispute was filed one to two years ago & they still didn't fix it then. I called they assured me the items would go away but they didn't.

( 4 ) isn't allowing me to update my personal info w/o calling. & calling is a forever hold type of 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 2019-01-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted a payment on XX/XX/XXXX to the mortgage company, but the payment was never pulled from my bank account. We called the mortgage company numerous times regarding the fact that the money had not been removed from our accounts. Once when we called a representative placed us on hold for over a hour until the office closed and then a recording told us to call back during normal business hours. We called back the following week and spoke to a representative who was very rude and said we had never made our XXXX payment. The representative continued to rudely state that they are aware of everything we do and that we had never even made an attempted to make a XXXX payment. We then attempted to resolve the issue with the representative who continued to rudely state that it was our bank withholding the funds. We spoke to our bank in which they informed us that they would not withhold funds without notifying us first, and that the issue was on the mortgage providers side. We called the mortgage company back trying to resolve the issue, but they had already placed a mark on our credit and said nothing could be done to resolve it. We then made another payment for XXXX on XX/XX/XXXX of {$930.00} plus {$48.00} in late fees bringing the total amount to {$990.00}. The funds were then removed shortly after on XX/XX/XXXX, which was quicker then normal. We assumed the funds were removed quicker due to the fact we have also been speaking to our mortgage officer many times over this incident. This isn't the first time this has happened. Since we bought our house in 2017 we have had an issue almost every month with the mortgage company. Usually they work with us stating that their website hadn't been working properly, or there was another issue on their end. We have also had problems with this company not removing the funds for two to  three weeks after a payment is made. When they would remove the payment they would also then pull a late fee out even if the payment was made on time. We have been doing everything on our end to resolve this issue including talking to our bank and mortgage officer many times. We believe the issue is on the mortgage company side, but they seem to resist taking the blame and are quick to blame us. We have been tirelessly trying to resolve these issues and wish the mark against our credit would be removed due to the fact the error is not on us.

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 2018-05-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was sued by XXXX XXXX  XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Citi has repeatedly called my place of business for the past 2 months trying to obtain payment on a debt. I am in a program through XXXX XXXX XXXX where I am working to resolve my debt. My boss let me know that Citi called her and they informed her of my debt, which is extremely embarrassing. This is my personal business and now knowing that my supervisor knows about my current financial struggles puts me in a very awkward position. I have repeatedly asked Citi not to call any phone number other than my personal cell phone, but they continue to call my work.

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 2021-11-01
Company: Mr. Cooper Group Inc.
State: MI
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:
I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last XXXX to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX pm called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: ROBINHOOD MARKETS INC.
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Robinhood the investing app i have been using for 3 years closes my account with no reasoning and I can not access any of my money, i get all my money from my job direct deposited onto robinhood and as of now i cant use anything and im struggling to live and i have bills to pay. They wont help me so i need another source.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
checked my reported and noticed misrespresnted accounts and inaccuracies

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 2020-10-20
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX ( c/o XXXX   XXXX, XXXX ). I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
ChexSystems is showing that I have a derogatory public record on file. This is not the case and the case has been given a " Full Satisfaction of Judgment '' ruling, XXXX2015

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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020, I paid {$200.00} to XXXX XXXX XXXX  ( c/o XXXX   XXXX, XXXX XXXX. I received a receipt dated XX/XX/2020, confirming that the {$200.00} paid was the amount reached in a settlement agreement and that the account was settled in full. I was told the account would report to the credit bureaus as settled in full within 30 days. However, the company has NOT updated the reporting. I called them and they a knowledge that the settle amount was paid as agreed in XX/XX/2020. But they still will not update to the bureaus. This is the most unscrupulous creditor I have ever worked with. Please hold three people accountable for incorrectly reporting my account as delinquent a month after I paid an settlement agreement AND the acknowledge said agreement! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: Navient Solutions, LLC.
State: TX
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:
The original disbursement of my signature private student loan with XXXX XXXX, now Navient was {$5000.00} disbursed XX/XX/XXXX and since then I have made payments starting XX/XX/XXXX and to this date still owe {$8700.00}. 

I asked to consolidate this loan with my other federal student loans and was told I could not. The interest rate is 11 % and I just can not understand how my total repayment almost doubles in amount from what I originally borrowed - especially since the purpose is for higher education? I feel mislead and not told the full truth in lending or at least in a way that I could understand the future consequences when I borrowed in XX/XX/XXXX. 

As a consumer I feel that Navient is predatory and took advantage of students who needed extra financial help, which I used for supplies/fees/computers/living expenses, only to be in debt by twice as much and for 20 years just to pay off {$5000.00}. It just seems unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Paypal signed me up to their credit card " Paypal Credit '' without my express permission or authorization. This is fraud.

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 2021-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
Capital One keeps updating the balance on my PAID charge-offs.. This is really hurting my score and would like Capital One to delete the paid charge offs from my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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:
I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and Equifax. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for Equifax and XXXX to remove the collection {$4700.00} from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EMCC Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against EQUIANT FINANCIAL SVCS. I already disputed an account from them before, under the same name with the same account number XXXX and it was deleted from my credit reports under XXXX. However, the same account re-appeared in my reports still under XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Furthermore, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the {$400.00} Wells Fargo Everyday Checking offer on XX/XX/2019. I've received an email indicating I was eligible for the bonus offer and that within 45 days of meeting requirements I would receive the bonus. I met the bonus requirements of three months of consecutive deposits at the end of XX/XX/2019. Wells Fargo not only did not deposit the bonus within the 45 days, they are now trying to deny me the bonus. I've now spent half an hour of my time talking to them over the phone with no resolution. Not only were my recorded calls unhelpful, I was bounced around to different departments with no end in sight. It seems like Wells Fargo will do anything to get you to open an account, but never follow through with their bonus offers. Last agent indicated I opened an account, but the bonus tag was never applied. That is absolutely fraudulent of Wells Fargo and I can provide the recorded call stating such. 

Case number : 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 2021-08-22
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX  this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.

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 2019-10-28
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for an account with Citibank with a promotion where depositing {$15000.00} for 60 would result in a bonus of {$400.00}. There were some snags along the way because the original account was compromised and {$7000.00} was stolen. Eventually that money was recovered but because the account was compromised, I needed to reopen the account. I met the terms of the promotion by holding {$15000.00} from XX/XX/XXXX to XX/XX/XXXX ( 90 days exactly ).

I contacted them 2 about the bonus, was redirect, and got the run around. They claimed I had only held the {$15000.00} for only 30 days. In entirety, because of the first compromised account, Citibank has had this money since XX/XX/XXXX, almost 6 months without moving forward with this bonus. 

Also, their handling of the compromised account was terrible. I was locked out from online access. I had to open a CFPB complaint to regain access and I had to do the detective work on my own. Citibank also did not properly close the compromised account and continued to try to bill me. Only a CFPB complaint resolved that issue.

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