BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Someone used my name and got {$590.00}. At Check Smart. In XXXX Ohio. I did not receive anything from this company. Just a phone call last week.from XXXX. From a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to remove my fraud alert and security freeze temporarily for 3 months, Please send me the pin to lift the freeze.

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 2020-04-02
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 belongs to someone else

Complaint:
identity theft on my credit record

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 2020-12-08
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX . No contact information has been reported by this creditor. 
On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30
Company: SYNCHRONY FINANCIAL
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:
My XXXX bank credit card was closed on early this year because I was not making my payments. I contacted XXXX bank through letters stating that I was going through a financial hardship and they still closed my account as well as keeping XXXX late payments on my account. For the months of XXXX to XXXX of XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with XXXX bank since XXXX. For them to close my account and not waive my 2 late payments knowing that I was going through a financial hardship is not great customer service but terrible.

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 2019-08-13
Company: SYNCHRONY FINANCIAL
State: TN
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:
There is an inquiry from Sync B/Lowes on my credit report from XX/XX/2018. I never applied for any type of credit with this company EVER. I've sent them a certified letter asking them to have the inquiry removed from the credit bureaus but they've refused to do so. They have no validation showing that I applied for credit. This is negatively impacting my credit worthiness and I want the inquiry removed from the credit bureaus IMMEDIATELY. 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 2021-11-27
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 information incorrect

Complaint:
A hard inquiry was made by XXXX on my TransUnion credit report on XX/XX/21. I had made no requests for credit. I called XXXX XXXX XXXX XXXX and they could find no such activity. My last name was incorrectly spelt on the report and the phone number was also incorrect. I have written to both TransUnion and to XXXX and await their response hoping that this is thoroughly investigated and the inquiry removed from my report immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage is serviced by Roundpoint Mortgage Servicing Corporation. Our residential earthquake insurance was set to renew XX/XX/2019. This bill is paid out of our escrow account. On XX/XX/XXXX, we received a notice of cancellation due to non-payment of premium from our insurer, XXXX XXXX XXXX ; our policy was set to cancel by XX/XX/XXXX if not paid. I called Roundpoint the same day and was told that they had mailed a check on XX/XX/XXXX and provided a check number, but they were unable to tell me whether that check had been paid by their bank. I called XXXX XXXX XXXX, and I was told that they had not yet received payment on our account. I called XXXX again, and they said they would attempt to trace the payment, and they would have more information within 3-5 business days. I said I would call back the following Thursday. 

On Thursday, I called Roundpoint again and was told that the check for my premium payment was sent not to XXXX, but XXXX, which I believe is the underwriter. The check covered not just our premium, but premiums for some 59 loans, and the check exceeded {$70000.00}. They still were not able to tell me whether the check had been paid. I called both XXXX and XXXX, and neither had received a check with that check number or for that amount, or anything approximating it. 

On XX/XX/XXXX, I called XXXX and learned that the payment still had not been credited to our account. I paid the entire premium myself with a credit card. On our most recent mortgage statement, XXXX deducted {$420.00} from our escrow balance for our insurance payment, but has not accounted for that amount, and has not been able to even determine that the check they issued was deposited by the insurance company or that they provided remittance advice including our insurance account number ( which would make the matter the insurance company 's responsibility ). I am now out {$420.00} paid out of my own pocket, plus the {$420.00} deducted from our escrow 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 2020-09-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month.  Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had an account with XXXX XXXX Account # XXXX Which I had paid off back in 2016. I have checked my credit report and notice several discrepancies. 1. The Last payment made differs drastically between the bureaus 2. No First delinquency date is listed, this is important since it lets me know when this account will be remove. I have sent a letter to Transunion, XXXX and XXXX and to no avail did any corrections happen. It seems they get the data from the same source XXXX XXXX which seems to be sending inconsistent data.

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 2019-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
Filed dispute with Experian on XX/XX/2019. 

Dispute was denied on XX/XX/2019 and still shows on Experian as an active debt/collection. I have no knowledge of this account. The account may be appearing on my credit report but may actually belong to my father who shares the same exact name as myself.

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 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My accounts with us department of education were closed and turned over to XXXX XXXX. The us department of education continued to report the accounts delinquent each month even though they sold the accounts. My debt is being reported twice creating double the negative impacts on my credit report each month. Furthermore, I paid the accounts in full in XXXX they were still reported late and again in XXXX. My taxes were offset this year, I filed my taxes in XXXX and received my offset letter in XXXX, yet somehow I was returned the offset, in late XXXX, despite the cares act stating the returns were only for taxes filed on or after XXXX. Because the offset was refunded, a balance was created on the account, which the department of education sent to the servicer and added a % 17 collection fee ( about {$1000.00} ) despite the fact that I paid the account back off within 30 days of the new balance posting. They refused to waive the % 17 fee despite the policy being that it wont be charged if the account is paid within 30 days. Instead they settled the account and reported it not as paid in full but paid for less than the balance. The loans already had a % 17 fee charged when they were originally sold to the servicer, prior to the refund or payoff. The accounts should not be reported as delinquent each month  throughout the duration of time they were with XXXX XXXX. They fraudulently refunded my tax offset and charged me another XXXX dollars on an account that was paid off. The accounts are not reported the same across all bureaus. I have called several times and am told they can not force report information, despite my telling them the inconsistencies in my reports. I filed a complaint with student aid and they did not address any concerns except to say my loans may have been reported delinquent prior to default. This is not true as my accounts have been reported delinquent each month up to and including XXXX of XXXX. All of my outreach to them has only caused them to add further negative remarks and brought my credit score down by almost 100 points since I paid them off! This is unfair, unethical and fraudulent. They referenced the education act of 1965 to combat my reference of the Fair Credit Reporting Act, which is the most recent of the 2. I was in the process of buying a home with my VA loan when they caused so much damage to my credit that I can no longer qualify. My family and I were temporarily homeless as a result. I dont understand how a federal agency can do these things and have no repercussions or be held to any type of standard.

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 2020-09-03
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have contacted Suntrust bank numerously since the beginning of XX/XX/2020 until XX/XX/2020 for mortgage receipts from payments from my origination date. They continuously told me to call the mortgage department but the mortgage department continuously told me to go to the bank where payments were made. I am only requesting a hard copy of my payment receipts with the payees name on them so that i can use them for another loan. They gave me the run around and then finally when i was at peaks end someone decides to help. She tried her best over the phone and even got in contact with the bank manager where the payments are made through and the manager agreed to do something. When we scheduled an appintment she accepted ownership but a bit too late and filed a paper so that we can get our needed receipts but to only call us the next day and tell us that they cant. I expected that. I have voice recording with the branch manager telling me she will order payment history with payee name on it but she couldnt come through with her promise. I lost the house i had an offer on due to the incompetency of the bank and tellers.

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 2020-09-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To whom it may concern : I've had the credit card opened at Home Depot on XX/XX/2020 and spent {$97.00} that same day. After that is the pandemic, social distance. I did not check my mailbox for a long time, not open my mails until last month to get notice of debt collection and the amount goes up to more than {$240.00}. I called and explained to them the situation. I have a XXXX  credit card and when I was two months late they called me, I paid over the phone right away. I wish HD did the same but they did not. I tried to call the numbers XXXX, XXXX, XXXX, XXXX and talked to XXXX, XXXX from collection centers. They filed the complained and they can not resolve the issue for me. 
I was calling to see if they could waive the late fees but they are not from Citibank or Home Depot so they can not do anything about it. The phone number from Citibank, the person ( XXXX ) can not access my account so they can not waive the late fee. The number from HD, whenever I enter the account number or my SSN it directs me to the collection center. I one time can talk to someone from the HD in my first attempt last month but he also asked me to wait then forwarded me to the collection department. 
During this pandemic, everybody has a hard time and they try to get money by applying late fees without a courtesy call. I believe it's not right. They threaten me if I do not make payment by XX/XX/2020 I will face difficulty in applying for a loan/mortgage later. It's also not right. Now the new balance after I make the original balance of {$97.00} is {$160.00}.

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 2019-08-14
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CONVERGENT OUTSOURCING, INC. continues to try to collect on two accounts that were discharged under my Chapter XXXX bankruptcy. The credit bureaus continue to remove these debts and somehow CONVERGENT OUTSOURCING, INC. is able to report them again. I have had to contact the credit bureaus on 4 separate occasions to remove these debts. Further, CONVERGENT OUTSOURCING, INC. continues to attempt to call me, including calling my place of business, as well as sending weekly letters to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation