BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX at XXXX for my dog  in XXXX of XXXX. I have never received a bill or a statement saying I owed anything. The XXXX was XXXX that I paid in full. I received a letter a few days ago in XXXX of XXXX from Transworld systems inc. never heard from them before, called and they did not give me an option to dispute nor does it say in the letter that I can. I even contacted XXXX  and no one has got back to me. I dont understand how I could owe {$100.00} when I paid {$3800.00} in full 4 years ago. I think this is a scam. I even emailed Transworld to tell them I have no debt with XXXX and they never responded. The past due/collections is already on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection appeared on my account from XXXX hospital in XX/XX/XXXX, at that time I provided accurate insurance information and the debt was paid in full. 2 years later, inXX/XX/XXXX the same debt appeared as Grant & Weber, I disputed the charge with proof from XXXX that the debt was paid by insurance and paid in full and the collection was removed. This year,XX/XX/XXXX, the same collection has re-appeared. I was not notified in writing or any form that this collection would be reappearing on my credit report. I have since disputed again however the only proof I had after 4 years of moving 4 times was that the same collection was removed in XX/XX/XXXX. I am afraid of this continually reappearing on my credit report. I have tried to contact XXXX hospital directly but they are nolonger in business. The collector ( Grant & Weber ) says they can not remove unless XXXX  contacts them to remove. It's a never ending circle. You are my last hope to permanently remove this from 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 2021-04-29
Company: TSC Accounts Receivable Solutions
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical debt is the result of an emergency XXXX due to an accident, our insurance company XXXX XXXX XXXX XXXX said that being an accident they covered 100 % and that we should not be billed and recommended that we contact the hospital we did and they said it was an billing code error and they will fix it, then an collection agency placed it on my credit report, I disputed it and XXXX XXXX said they contacted the agency and that the debt collection agency said it was correct.. I am now respectfully requesting your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX XXXXXXXX )

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 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To whom this may concern, Back in XXXX of 2020 I missed a payment on my credit card with capital one. This was due to some financial hardship at the time because I was switching from job to job. We did not have enough to make the minimum payment. This negative remark is reflecting on my credit score now and it is causing unnecessary suffering to me and my family. Our ability to secure low interest financing on loans is being affected. So in a good faith effort to resolve the issue I reached out to Capital One on XX/XX/2020 in order to correct the mistake. I tried to reason with them but they unfortunately did not work with me. It is unfair to keep this on my record due to my lack of ability to pay at that point in my life, it is now causing us harm and there must be solution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: KEYCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Key Bank online on XX/XX/2018. At opening, I used code XXXX, which promised to give me {$300.00} after direct depositing {$500.00} and making 5 qualified debit card transactions within 60 days after account opening. Full text from the account agreement disclosure is : " OFFER IS AVAILABLE TO CLIENTS WHO DO NOT HAVE OR HAVEN'T HAD A KEYBANK HASSLE-FREE ACCOUNT, OR A KEYBANK CHECKING ACCOUNT WITHIN THE LAST 12 MONTHS. MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. LIMIT ONE GIFT PER QUALIFYING ACCOUNT. LIMIT ONE GIFT PER INDIVIDUAL. THE GIFT WILL BE REPORTED ON FORM 1099-INT. THE GIFT WILL BE DEPOSITED WITHIN 90 DAYS OF MEETING REQUIREMENTS. ACCOUNT EARLY CLOSURE FEE OF {$25.00} APPLIES. OTHER MISCELLANEOUS CHARGES MAY APPLY. ACCOUNTS OVERDRAWN OR CLOSED AT TIME OF FULFILLMENT ARE NOT ELIGIBLE FOR THE GIFT. '' By the end of XXXX, I have made {$1000.00} in direct deposits and 7 debit card transactions ; this corresponds to the offer conditions above. On XX/XX/XXXX, I made a call to the customer support to check if everything is fine with qualifications for the bonus. I was told that I was not qualified because SINGLE deposit of {$500.00} was needed ( there is no such word as SINGLE in the account description ). I called again to say that disclosure conditions shown above do not specify single or multiple direct deposit requirements. Support clerks insisted that the bank implied a single direct deposit in this agreement. Thus, there is substitution of the official terms in the account agreement by implications made to waive bank liability of bonus payment. In the case when parties sign written agreement, the agreement defines rights and obligations, and not subauditions by any of the parties. My offer does not say the direct deposit must be SINGLE or NOT MULTIPLE. It is unworthy for the reputation of the respected bank to ditch bonus payments using ambiguous offers conditions with hidden meaning. I do hope that Key Bank reconsiders its decision and issues bonus for using my money as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been disputing   XXXX   XXXX   XXXX   XXXX   since   XXXX   2015 informing them that this is not my account. I 've disputed with all   XXXX   credit bureaus and every time   XXXX   XXXX   XXXX   XXXX    confirms that this account belongs to me. I 've asked  XXXX ,  XXXX , and Transunion for method of verification but never received one. I then disputed it directly with   XXXX   XXXX   XXXX   XXXX   and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the  XXXX  bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.

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 2020-11-18
Company: Westlake Services, LLC
State: IL
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:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair 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 explanation
Consumer complaint received 2020-11-16
Company: Lincoln Educational Services Corporation
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a telephone call from XXXX management the week of XXXX about a Lincoln Tech debt that is from 2012. I explained to the debt collector that I will not be paying the debt because it was an invalid debt then and it is still an invalid debt now. I also explained with the age of the debt there is no reason for me to resolve because I have more recent things on my credit that I need to clear up. I then explained that I wanted communication to cease and desist. The call ended. Yet they proceeded to place another phone call on XX/XX/XXXX with a voicemail left for me. The voicemail never stated the company name or that it was a call from a debt collector. When returning the call I realized it was the same company. They acknowledged that I advised not to call a week prior. I requested the recordings in which I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
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 have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are hurting ME the consumer ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Information belongs to someone else

Complaint:
I pulled my credit files from Equifax, XXXX  and XXXX  to check for any wrong information. I saw that they are reporting a account that I am not responsible for and should not be on my credit files. The company they are reporting is called XXXX XXXX. This company should not be on my credit files as a collection, I have reached out to all three major credit bureaus to have the issue resolved and the negative account removed from my credit files. As of today this account is still showing on my files and caused my scores to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
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: Information is missing that should be on the report

Complaint:
Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, Transunion and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report 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 2018-03-30
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I opened a student loan ( with my father as the co-signer ) on XX/XX/XXXX for a Disbursement of + {$3100.00} to attend College. A year later, while still attending school, I needed more money for books so on XX/XX/XXXX the same loaner loaned me a Disbursement of + {$2700.00}.

For the last 12 years, I have been paying on this loan never missing a payment. At least 3-5 times my loan has been sold to other companies, without my knowledge and/or approval. In addition once my loan was sold to other lenders, the other lenders hit me with higher interest rates that I never agreed to or had knowledge about. I continued to pay my student loan every month.

My records show on these dates below, throughout my loan, interest was capitalized on these days :XX/XX/XXXX

I have made monthly payments on this loan every month since XX/XX/XXXX, my student loan bill always has a different amount due. I have went from a $ XXXX/month payment in XX/XX/XXXX to a $ XXXX/month payment this year in XX/XX/XXXX. I have kept records of all my payments made.

According to my lender my current balance due to pay off this account *today* is {$5900.00}, although I have paid for the loan 12 years never missing a payment, and 12 years ago only borrowed a total of {$5800.00}. With that balance left I would be again paying them for a third time entirely for what I borrowed! My records indicate that due to the longevity that I have paid on this loan, I have now paid off this student loan entirely twice with interest! I feel the agreement set forth by the original lender was never met, due to my loan being transferred/sold, due to interest rates being changed without my knowledge. I feel the terms set forth on this loan are & have been unfair. In addition, because my father co-signed for me while I was a young student & I make all the payments myself for the last 12 years, I would like my cosigner to be released from any financial responsibility & obligation on this loan.

When I tried to resolve these inconstancies with the lender yesterday to close my account, I immediately got some link sent to my email for an interest rate reduction. I was also told I can forward a letter to the sender with a request to settle amount. However, I do not desire an interest reduction ( after 12 years this is the first time they offered ) nor do I feel a settlement amount is fair for I've paid them twice & they are billing me now a third time. This lender currently shows my balance after 12 years of payments very close to what I originally borrowed. I feel I have paid this lender in full already as my amount totals in payments to twice that of what I borrowed. I feel that the lender/s are being unfair on this private student loan & would like some professional assistance in reviewing. Thank you very much. I have copies of all my payments & statements I am attaching to this complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company keeps trying to contact, but leaves no message. Checked my credit report and I have not received any type of written notification as to what I owe. I do not believe that this debt is legitimate and would like for the company to stop contacting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an account with XXXX XXXX XXXX on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of 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 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion continues to report the following inaccurate item to my credit report. 

XXXX XXXX It should be deleted because it reports a bankruptcy not on my file ...

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 2021-08-11
Company: NAVY FEDERAL CREDIT UNION
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: Problem with personal statement of dispute

Complaint:
Navy Federal denied my application for a home loan, claiming my credit scored did not meet their requirement, it was reported by XXXX  of XXXX. Navy Federal system shows one Credit Score from XXXX  and uses a different one for loans. XXXX  Credit score does not match with the one they show in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX : Complete loan balance of {$240000.00} paid off in agreement with letter from navient stating 10day pay off amount XX/XX/XXXX : Received letters via email and mail stating that both accounts that I had with navient were paid in full. 

XX/XX/XXXX : Email received and first point of contact made by Navient stating that student loan was going into repayment. 

XX/XX/XXXX : Called Navient and spoke with representative XXXX XXXX and supervising manager XXXX XXXX. Informed that Navient had processing error and " found '' loan balance that has been accruing interest since XX/XX/XXXX. Stated I would be responsible of loan amount. Informed manager that last point of contact I received from Navient were 2 documents stating that both loans were paid in full. Unaware of any " balance '' Navient " found ''. XXXX XXXX said he would look into it. He emailed supporting documents but otherwise has been unable to be reached. Other representatives have tried to contact him but unreachable at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently filed for unemployment and when my deposit was sent to cashapp they froze my account. I need that money to pay bills and cashapp wont even allow me to access it. I spoke to cashapp and they said my account will be unfrozen but they never did. Without the access to this money I cant pay for my necessities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, 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 was the victim of identity theft, which resulted in some accounts being opened in my name by fraud.

Company response to consumer: Closed with explanation