BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX  XXXX I wanted this late payment appearing removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I've contacted Transunion and XXXX several times. Including both mail and via phone. I have complain about several inquires on my account that I did not make. I was a victim of identity theft and they have not removed them. 

The Transunion accounts include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The XXXX  Accounts iInclude : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Account status incorrect

Complaint:
Due to Covid-19 XXXX XXXX XXXX XXXX allowed me to have a two month payment extension on my existing auto loan. I have made every payment on time since opening this account. Because of recent layoffs at my place of employment my financial situation is not the same as it usually is thus making it difficult to pay the loan payment in full or on time. I made an agreement with XXXX XXXX XXXX to remain current on my account but not pay XXXX or XXXX monthly payment. I have written documents stating everything I mentioned above from the loan company and myself. Unfortunately I was notified last week that my credit score was hit extremely hard dropping the total score 106 points. The reason for this decrease in score is non payment/ late payments reflected on my XXXX account. This should not reflect on my credit score and definitely should impact it negatively considering the legal written agreement between myself and the loan company allowing me to have a two month payment extension. I would like this removed and my score to go back to score it was prior to this 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 2022-10-26
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX and XXXX has violated my rights. 

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

15 U S C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-06
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I started a new job and realized now that I received a phishing email from the boss. I paid him for gift cards for clients worth {$500.00} through XXXX the money is still processing and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was put on a forbearance plan in accordance with the cares act. I started making payments 3 months ago and the lender wont bring it out of a delinquent state. I requested the miss payments to be added on to the end of the loan. They are reporting the payments as delinquent and it is listed as a possible foreclosure on my credit report.

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 2020-09-04
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Before the Covid-19 pandemic I have tried to get in a payment plan with Sallie Mae. They have continously given me the run around with no real assistance. Since the pandemic I was granted 1 covid forbearance. I've tried multiple times ( 7 - 8 ) times to get this handled and applied again but am told that there is nothing that can be done to help me. Today ( XX/XX/20 ) I spent almost an hour on hold waiting for my account manager to get back on the line to tell me what repayment options I had. She never returned and the call was disconnected. I called back, they stated she was unavailable and then told another associate to tell me to call back after XX/XX/20. Once again, no options and no help! I feel as though they want me to default on this loan. I am trying to pay what I can every month but can't afford it. Every single time I call someone gives me a different answer or a wrong answer. Its utter disregard for the customer and disgusting practices by Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Account access restricted and cant use card for transactions. Have 4 total accounts with them. I use them for XXXX, for occasional work deposits- I am in an XXXX XXXXXXXX as a XXXX XXXX XXXX for XXXX XXXX XXXX. I get XXXX payments for rental properties occasionally. This goes to my ally account. I pay all taxes on all these payments. 

Ally called me to review I says everything was good. Then 20 minutes later they restricted my account. I have deposited {$30000.00} checks here that have cleared without notice. I appreciate ally bank because they are very responsive usually. But here they just say the account is under eeview even though I have checks that clear lots of XXXX payments. I have never disputed a transaction ever. They need to unblock 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 non-monetary relief
Consumer complaint received 2020-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that Capitol One had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted Capitol One about the issue The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX, XXXX & XXXX authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted Capitol One to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a Capitol One Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted Capitol One and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the Capitol One address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe Capitol One is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
someone has been using my information I have been trying to get these removed for a while no results so I recently went to the police department and they gave me a police report to send to bureaus they said this will help me and my situation

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 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date : XX/XX/2020 Amount : {$350.00} I issued the chargeback to my finacial institution. 
I tried to withdraw from the case since XXXX told me to do so. 
I tried to continue with the case and they said they cant do much since it was over the deadline and they told me to contact 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 2020-09-04
Company: CREDIT WORLD SERVICES, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
COLLECTIONS Cr World S Opened XX/XX/2017 - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This XXXX XXXX XXXX  want to see me in court for an unpaid debt from 7 years ago XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am on XXXX barely getting by

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
AFTER HAVING A CHANCE TO GO OVER MY CREDIT FILE, I CAME ACROSS SOME DEROGATORY ACCOUNTS REPORTING ON MY CREDIT FILE. THE ACCONTS DO NOT BELONG TO ME. THERE HAVE BEEN A TREMENDOUS DROP IN MY CREDIT SCORES BECAUSE OF THIS SITUATION. IT IS SO UNFAIR TO ME BECAUSE I HAVE ABSOLUTELY NO KNOWLEDGE OF SUCH ACCOUNTS. IT HAS BECOME VERY HARD FOR ME TO ACCOMPLISH CERTAIN THINGS ALSO BECAUSE OF THIS. I AM ASKING THE AN INVESTIGATION IS OPENED IN ORDER TO REEVALUATE THE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE 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 2021-11-02
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing this compliant about this account from KEY BRIDGE # XXXX. I have never done any business transactions and I do not recall any documents showing any 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
Consumer complaint received 2020-07-01
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Ameris Customer Service for 2 weeks ( 5 different calls ) to try and resolve an issue with my VA mortgage related to the escrow ( recalculated incorrectly ). This basically comes down to a higher property tax ( {$10000.00} ) was paid out on XXXX ( County assumed Rental ) but the county paid back the difference {$7900.00} on XX/XX/XXXX. During the ESCRO analysis that was done on XX/XX/XXXX, it was assumed a higher payment was needed for the negative escrow and future property tax. Once this was rectified with another Escrow analysis on XX/XX/XXXX ( S.C. Resident rate ), the payment went back to the normal payment range for the principal, interest and escrow. However, the system ( my statements from Ameris ) is looking for the difference of the escrow {$1600.00} for 2 the months XXXX & XX/XX/XXXX totaling {$3200.00}. It is showing that there is a balance due from the difference for both months it calculated for the higher escrow and started generating these Foreclosure notices to be generated. Ameris seems to not do well communicating with other departments and all I see to get is all the late payments removed. I have had several different answers from customer service and no one has resolved the problem. The response has been the Escrow office has been unable to release the funds. I need to have this resolved immediately by someone who has the authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: The CBE Group, Inc.
State: UT
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:
Re : XXXX XXXX XXXX XXXX CBE Group is reporting a debt on my credit file that is not owed. I recently pulled my credit report and noticed that these debts are on my credit. I called the hospital directly and applied for financial hardship with them and took care of these debts through them. CBE however, is still reporting the debt on my credit file for something I no longer owe. This is erroneous and all accounts I had with them need to be removed. The debt has been solved and should no longer be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: ENOVA INTERNATIONAL, INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I got a call from XXXX XXXXXX/XX/XXXXin XXXX, IL stating I owed Cashnet USA a debt from 8 years ago. I remember the debt but dont remember if it was paid as I owed one other payday loan company as well. I was going to pay the debt but they claim to have had system issues and would call me the next day. I got suspicious when I didnt get a call and looked up the company online and found nothing. They have since called my mother multiple times and Im not sure how they got her number. Theyve also been calling me at least 5 times every morning. Ive received no official statement saying I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX has refused to delete a collection account from my credit report even after the collection agency that initially furnished them with the information sent them a delete letter and an auto delete request. After I initially disputed this with EQUIFAX the account was changed to PAID but remained on my report with a XXXX balance. I contacted EQUIFAX again and provided and provided the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MDS ) sent to all the credit reporting agencies on XX/XX/2020 asking them to delete the collection from my credit file. Whereas XXXX  and XXXX  deleted the collection from my credit file EQUIFAX went ahead and changed the status of the account to UNPAID. 
I have called EQUIFAX many times and uploaded the letter from XXXX ( see attached. ) When I called them yesterday ( XX/XX/2020 ) they acknowledged receiving the letter from me but stated they can not delete the collection because they allegedly have not received it from the information furnishing company. I offered to forward them the email from XXXX stating that the letter was sent to ALL the three agencies and also attempted to give them the AUTO DELETION number XXXX provided by XXXX on XX/XX/2020 but they refused to take it. This has significantly affected my credit rating and hindered me from moving on with important family projects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently mailed letters out certified mail to XXXX and Equifax to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXXXXXX XXXX XXXXXXXX XXXX withdraw money from my account to pay this debt off with Midland Financial on an XXXX account. XXXX is showing the account is not settled and Midland Financial is playing both sides with me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my house to foreclosure back in 2016, Wells Fargo was supposed to be doing a short sale with me and my attorney that I was paying. And the day of the short sale, Wells Fargo just decided to Fort clothes and take my house from me. I have never gotten any money from any settlements.

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