BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: CITIBANK, N.A.
State: VA
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:
For several days, I have attempted to make a payment for a statement balance on my Citibank/AAdvantage Mastercard. Every time I have tried to make this payment on the Citibank website, it refuses to process the payment saying the payment is " out of the allowable date range, '' even though my statement is currently due. ( A screenshot of the error message and overall problem is attached to this complaint. ) Yesterday, I engaged in a text chat with a Citibank representative in an attempt to resolve the situation, but they could not correct it. I have also tried to call several times, but have given up due to excessive wait times. 

I would like Citibank to remedy this problem as soon as possible, and in no event later than my payment due date.

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 2018-06-06
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never received a loan from check n go NEVER. All of a sudden this month when I checked my credit score and reports, I seen a collection for check n go for {$590.00}. Once again I never applied for a loan or received that money At all. At this point Im pretty certain its fraud because on my XXXX app it only shows this month and this month only which is weird and then they reported to collections in the same month. I tried to dispute it twice and they wont take it off so Im trying to find more alternatives to get this off my credit knowing I didnt apply or got the money .And its not right nor fair for this to be on my credit and i didnt do it at all. And I was a victim of identity theft and I hope and pray this is not another incident

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: TX
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:
I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have reached out to the department of education regarding the student loans for XXXX XXXX XXXX college with no help. I did inform them that the student loans were paid in full and was advised that they were not. i did reach out to XXXX XXXX Executive Director of Financial Assistance Services who also confirmed the loan were paid in full. 
I did receive the documentation that the loans and there are four of them are paid in full as well per Navient credit finance corp. these student loans for for the period of XX/XX/XXXX XXXX. I have tried to reach out to the umbootmans office however they advised they once they have an electronic signature they can put that signature on any document they want to and that proves i owe whether i do or not does not matter. I did ask for the call to be escalated and i never heard nothing back. I have also contacted the IRS since it was the XXXX taxes that was taken which should not have been. This issue is not resolved and i have attached proof the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed a dispute with Trans-union pertaining the XXXX XXXX # XXXX account on my credit report I informed them that this reporting on my credit report was against the FRCA laws XXXX Since I was never notified of this debt or intent of it going to collections which dissolved me of the right to dispute the amount being claimed or pay any debt. I attempted to contact XXXX to no avail and the one account I had with them I have no access to online at all and I have not received any communications regarding this alleged debt. So Transunion should remove this since XXXX has zero proof of properly contacting me regarding this collections item. All trans-union did was supposedly verify the account and put on my credit report that I dispute it. Which is unlawful to the laws of debt reporting and collecting, I want this removed off of my credit and I want to be contacted by XXXX pertaining to this debt. And when I tried to go to Trans-Union again to resubmit the dispute it wont allow me to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been receiving a statement for many months with a zero payment due, I called to stop mailings and was informed that there was an error on my last payment back in XX/XX/XXXX. I was never notified until I called today XXXX XX/XX/XXXX. I never received a statement with that error from them. It was a clerical error or computer error and they want me to pay for it. I will not pay the interest since I confirmed the last payment over the phone with their employee. I refuse to pay and asked them to fix the problem and close the account. Im asking for them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: TX
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to authorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to authorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Did not consent to authorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
16 Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: HCFS Healthcare Financial Services of TeamHealth
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 made Several disputes with the credit reporting agency about the account is being reported inaccurately Open. The account has been " CLOSED '' since XX/XX/XXXX. The account appeared open after a dispute of a newly added account by the collection Agency XXXX. On XX/XX/XXXX the accounts suddenly was reported to the credit bureau as " OPEN ''. I have made an dispute. My credit file was corrected, The accounts appeared Closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported the account as " OPEN '' right after i have corrected that it was inaccurately Reported as Open. I have made another dispute.. My credit file was corrected, The accounts appeared closed on XX/XX/XXXX-XX/XX/XXXX. 
On XX/XX/XXXX XXXX reported my accounts as open again. 

What can be done here?

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 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2018-04-17
Company: Diversified Consultants, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit reports for XXXX, XXXX, and XXXX   in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports.

Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX   report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received unbeknownst to me from XXXX XXXX account # XXXX for several months $ XXXX " portfolio management fee. I never requested or was advised that I had portfolio management or that there was a fee associated with it, and do not want and will never want such services. After complaining I was told that I had been sent a letter which I never received " informing '' me of this fee because my balance was below {$25000.00}. Why? Because without my advise or consent XXXX sold off part of their asset management business to a third Party which included my XXXX money market account XXXX which contains {$25000.00} as of XX/XX/2019, leaving me to pay for their greed. I spent several hours working with them and they told me that I could only solve this by going to my local branch in XXXX. which of course is closed because of Covid. Their case # is XXXX XXXX XXXX XXXX XXXX. Most dishonest bank in U.S.,. Have I not had my other autopsy, ssi, etc.,. Linked with this account for 36 years I of course would change banks. Help me. I am trapped at age 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 monetary relief
Consumer complaint received 2019-04-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA has had around {$5000.00} of my funds on either hold or just missing. On XX/XX/XXXX I made a check deposit from one of my accounts to another one held by usaa. They then proceeded to put a 7 business day hold on my funds. I was never informed of why, and the time-frame was only disclosed after I called in to look into this. USAA also received $ 1400+ from my XXXX XXXX XXXX mortgage account for home owners insurance on XX/XX/XXXX -this was a wire from XXXX XXXX XXXX . USAA told me they never received these funds and I was left wondering where they were. XXXX  XXXX XXXX confirmed the wire and as of today XX/XX/XXXX USAA has no idea when I will be receiving these funds. It is entirely unacceptable for them to have this much of my money on hold or missing for no apparent reason. As someone who works in banking a 7 business day hold is unheard of. I also do not appreciate USAA 's agent telling me that writing a check to myself is " illegal '' and this is 100 % not true at all. 

I feel this practices combined represent a severe and material violation of Regulation CC, UDAAP, as potentially RESPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. 
We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. 
If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

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 2017-12-03
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX {$660.00} PRO Collect left a 38 second message stating this is an attempt to collect a debt by a debt collector providing private information on a cell phone that is contracted under my stepfathers name. Also, they left a 1:03   message for my husband on XX/XX/18 on my cell phone - again, contacted under my stepfathers name with a message regarding an account and debt owed to pro collect. I also have a ( XXXX ) area code which, by law, is recognized as a spousal state.

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 2021-04-10
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a XXXX account on XX/XX/2021 and sent a copy of my drivers license for verification. It has been almost a month and I still have not been verified. I deposited {$500.00} in the account and they gladly took my money. However, when I tried to withdraw my money, Gemini wouldnt allow me to and I get a pending verification notification. I contacted their support on XX/XX/XXXX, and I got a response on XX/XX/XXXX saying they received my support request, but did not include any information of the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Bread Financial Holdings, Inc.
State: LA
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 disputed a duplicate account with XXXX and it came back updated. This account is listed twice by 2 different creditors. I disputed the old creditor first, as it was sold debt, they did not remove it. I disputed the new account and they are still reporting both debts. This is the same debt. They are also increasing the amount owed by a dollar regularly. The amount of the debt keeps increasing, which is leaving an incorrect balance on my report. I wish to have one of the accounts removed. 
XXXX XXXX is the new acct holder and is reporting a balance of XXXX, On my report under XXXX XXXX 's information, it shows that comenity/stage is the original creditor, which leads to comenity/stage as the duplicate entry, also reporting the same amount of XXXX, in which they wrote and sold the debt. the original amount owed on this account is XXXX, after payments were made in good faith to comenity in 2018. They then sold the debt for the amount owed before the payments posted and has been accruing interest (? ) ever since. 
The bureau did not actually investigate as the results came back in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: IN
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 an account with chase bank on XXXX and used a code for XXXX bonus. I called to follow up on XX/XX/XXXX about the terms and was told everything was on the account and once I made XXXX direct deposit the bonus would be paid out in 10 days. As of XXXX I had made the required deposits and was told my account never had the coupon code applied and it was past the 21 days to do so, so no bonus would be paid.

Company response to consumer: Closed with monetary relief