BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: NC
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 a car loan through XXXX XXXX XXXX XXXX. 

They are reporting XXXX, XXXX and XX/XX/2019 payments as being late. 

I have reached out to them with proof of payment but still no change. 

I have conducted multiple disputes with Experian ( credit reporting ) with NO update or change. 

This is preventing me from obtaining a home loan and I need assistance getting this information updated.

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 2022-03-01
Company: Spring Oaks Capital, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Notified by XXXX that a collection account was placed on my credit report by Spring Oaks Capital LLC - referencing that the collection account was opened in XX/XX/XXXX XX/XX/XXXX Sent certified letter to Spring Oaks Capital LLC advising that the debt was not mine, and that I was never notified or advised of the debt in XXXX or to the current day XX/XX/XXXX Received a letter from Spring Oaks Capital LLC XXXX XX/XX/XXXX - attaching a copy of a statement, as well as court documents showing a sale of debt - with multiple redactions. 

My name or information is not referenced in the court documents- nor is a credit card statement evidence of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MO
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:
In XXXX XXXX sued me for an outstanding credit card balance of {$2500.00}. XXXX that had went to collection. Through my attorney and XXXX 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every XXXX weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I attempted another dispute in XX/XX/XXXX and again the dispute came back verified. Since this account was involved a legal case I believe that if XXXX and Equifax had done their due diligence in investigating my disputes. They should have received proper status from XXXX bank. As of today XX/XX/XXXX The account status remains incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: FC HoldCo LLC
State: OH
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:
I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize 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 2019-06-12
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit report on my paid prescription of XXXX and its shows a negative status on my XXXX and XXXX credit report with a Navy Federal Credit Union Installment loan from 2014. I contacted them about it and there is no record of it in there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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:
On XX/XX/2019 XXXX XXXX XXXX REPORTED ME TO EXPERIAN CONSUMER CREDIT AS BEING LATE I MADE A PHONE PMT BUT FOR SOME REASON XXXX DID NOT CAPTURE MY PMT AND REPORTED ME AS 31-59 DAYS LATE THIS IS CLEARLY INCORRECT REPORTING AND XXXX REFUSE TO FIX THE ISSUE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed Credit Card Charge by vendor for cancelled services on XX/XX/18 for {$260.00}. Vendor did not challenge charge back and XXXX Credit Card refunded the charge. However, the vendor sent fraudulent debt to collections and I was notified to it by the credit report provided by the Credit Card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is not bonded in the state of Texas to collect debt.

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 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om X/XX/2017, X/XX/2017, and XX/XX/2017 each time I received an updated credit report stating the item was verified however there was no proof of validation

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 2019-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 an attempt for Bank of america to transfer a monthly {$25.00} fee from my checking to savings to help save. ANY OTHER time if there is not enough money to transfer {$25.00} from checking into my savings account it is simply cancelled. If you look into my account you will see many times it has happened and when fees were low it was simply cancelled. Then stated it was cancelled due to low funds. So when funds in checking were less than {$25.00} the transaction will be cancelled. 
So simply put, I didn't have {$25.00} in checking to transfer to savings. The bank transferred {$25.00}, regardless into my savings resulting in my checking account becoming negative, then took an overdraft fee of {$29.00} from savings! and transferred back to checking! So savings balance of {$4.00} is now {$0.00} and my checking that was {$4.00} is now negative {$2.00}. Not only that I don't have overdraft protection. Basically they found a way to make {$4.00} ... .First time this has ever happened so surprised.

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 2022-03-01
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Timeline of Events : XX/XX/2021 : Resident sent letter to XXXX XXXX XXXX seeking extension to XX/XX/2021. 

XX/XX/2021 : Sent notice to XXXX XXXX XXXX property manager ( XXXX XXXX ) that extension no longer needed and would be vacating apartment on XX/XX/XXXX. This notice was acknowledged by property management. 

Received ledger from XXXX XXXX ( parent company ) and Move out statement from XXXX showing a balance owed of {$810.00} which was dated XX/XX/2021 NOTE both the ledger from XXXX and the Move-out statement from XXXX XXXX. 

Various Communication with XXXX, that finally ends with a Move-Out Statement from XXXX XXXX XXXX showing a ZERO Balance and an e-mail from property manager that says you are actually due a refund - XX/XX/2021 However XXXX XXXX ( parent company ) continues to say I owe the balance as the write-off was just at the property and not at the parent company level even though I have an e-mail from the property manager saying we were due a refund. 

Last communication with XXXX was in XX/XX/2021. I had assumed they finally accepted all the documentation I had provided and made their books ( ledgers ) match that of the property. However I received a call from Genesis today as, attempting to collect this fictitious debt. However the debt is question is not owed as evidenced from communications from the property itself. 

What further complicates this issue is the property has since been sold and all former property managers had quit or been fired by end of XX/XX/2021. 

I am seeking advice on how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BB&T CORPORATION
State: VA
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:
BB & T has once again done the unthinkable. I have a XXXX son who has been XXXX since 1985. He is XXXX from the XXXX XXXX XXXX XXXX. He had my name of his account only if he becomes XXXX and can not do things for himself. He, XXXX XXXX is the only one who can access this account according to the XXXX BB & T. He has called because of a prior issue that came up some time ago and was assured No one had access to this account unless he passes on or becomes XXXX XXXX. BB & T took funds from his Personal account and paid My past due Credit Card bill. XXXX uses this account for medical expenses and XXXX equipment and his private use Only. I have Power of Attorney to be used only with his permission and funds to be withdrawn for His Private Purpose only. BB & T withdrew {$1100.00} from his account that once again, he was assured only he could access. This transaction was done by BB & T Recovery Department, XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Phoenix Financial Services LLC
State: KY
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 checked my credit report and seen a couple on there that I never got notice about. I contacted the company and XXXX answered requested validation of the debt he said he did not have to and hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received via US Postal Mail, a letter from SunTrust dated XX/XX/XXXX. I objected to the response for the following reasons : A. I sent, an email, a full loss mitigation application to SunTrust on or at XX/XX/XXXX and XX/XX/XXXX. To date, SunTrust hasnt decisioned, replied to, acknowledged, or processed that loss mitigation application.

B. The loss mitigation application submitted again to SunTrust on XX/XX/XXXX via email has similar treatment by SunTrust-It hasn't been acknowledged by or processed by SunTrust. 

C. The XX/XX/XXXX from SunTrust letter seeks to reply to both a QWR/NOE/RFI to SunTrust AND request that I submit a new loss mitigation application without replying to or decisioning the XX/XX/XXXX application as deficient, declined, adjusted, modified, or any activity of the same. 

D. SunTrust. on XX/XX/XXXX, notes that my documents submitted for loss mitigation are over 90 days old BUT SunTrust doesnt provide a reason why it hasnt processed the loss mitigation application timely or acknowledged receipt or anything. SunTrust is defiant of and not complying with CFPB rules for processing loss mitiation and defied the XX/XX/XXXX CFPB rules on processign loss mitition applications. 

E. Since SunTrust has determined that I do not have to pay Mortgage Insurancde Premium, ( MIP ), I wish to know if the desk review noted by your lawyers that asserted that the loan isn't like to be approved for loss mitigation options, included the deletion of MIP as part of the payment declaration. Secondly, since I asserted as part of the QWR, that that item should have been deleted as far back as XXXX, will SunTrust recover such amounts and adjust the escrow and payment matters.

F. SunTrust denied and would not delete negative credit information from credit agencies and is in direct opposition of the CARES Act and Presidential Executive Order as well as Executive Order of the Mayor of DC. 

G SunTrust hasnt addressed all of the items noted in my QWR/RFI/NOE and the same is attached for your review together with documens and declarations to the same of your review. Please comply with the QWR duly submitted.

H. SunTrust asked its lawyers, contrary to a representation to the Superior Court of DC, that they would remove my loan from loss mitigation contrary to CPFB rules, and inferred that they would start foreclsoure proceedings in defiance of an order not to do so by the Mayor of DC.

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 2019-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Keep getting same call from Capital One saying call back we have important information for you That is all..every day same call My credit bill is fully up to date I am being harrassed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi there, I was in mortgage deferral since the pandemic started from XX/XX/2020 to XX/XX/2020. I came out of deferral after receiving the letter from the XXXX XXXX XXXXXXXX in XX/XX/2020 stating how much my payments will be after I come out from the deferral. It said that if I want to come out of the deferral I should start paying starting XX/XX/2020. So from XX/XX/2020 until today date I have been making mortgage payments every single month and never was late. I do have a copy of the bank letter stating how much and when I have to start paying also have copies of my bank statements showing payments being withdrawn from my XXXX  checking account. I have been calling every month to make the payments and they are all on time. The bank reported me being late for 30 days which never happened I have a pristine credit score and was never late on any payments on any of my loans or revolving accounts. Please assist me on resolving it, i did try to contact the bank but its like getting nowhere. I spent hours on the phone and it seems that nobody does the job. I can provide all the documents that you are requiring to resolve it copies of my bank statements and bank letters.

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 2017-10-05
Company: Weinberg Mediation Group LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is calling my friends and family and threatening legal action on a debt not mine. They have my information wrong and continue to call and harass my friends and family after being told to stop calling. 

XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family XXXX/XXXX/XXXX - called friends and family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
I have had my student loans through XXXX XXXX ( now " Navient '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " Navient '' ) on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XXXX XXXX, 2017 around XXXX XXXX to XXXX XXXX or so I was at a XXXX XXXX Drive through ATM at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. I attempted to withdraw {$80.00} from my Bluebird Debit Card ending in XXXX at this ATM. The ATM declined my transaction several times. On the first decline, it said " processing transaction '' for a long time. Then it said the transaction could not be processed. I switched to my XXXX Debit Card ending in XXXX and the ATM ate my card and the keypad did not work. I kept tapping the touchscreen and it released my card. I attempted the transaction again and it was successful on my XXXX ATM card. So the transaction was not successful with my Bluebird Debit Card but successful on my XXXX ATM Card. The problem is when I got home I was charged an {$80.00} withdrawal on both of my cards. I went into the bank around XXXX on XXXX XXXX, 2017 and I told them the issue. I also told them that Bluebird said it will take 45 days to complete the investigation. I asked them to go through the ATM footage to speed up the process. They admitted they have been having multiple issues with their ATM but due to regulations I would have to go through the disputes process with Bluebird. Bluebird completed their investigation and said they could not refund the charge because XXXX XXXX  told them the transaction was successful. I asked them for documents they used to make their decision. I want XXXX XXXX to go through their ATM footage and ATM logs so they can see the transaction never took place. <P/>I am reporting this to you because this is theft and I am considering legal action against XXXX XXXX. I am just waiting for Bluebird to send the appropriate documents. I am also writing this in an attempt to protect other consumers that use this ATM. The bank acknowledged that many customers have had issues with their ATM, yet they allow it to function and continue stealing other people 's hard earned money. This is not a vending machine stealing a quarter or two, this is an ATM stealing people 's livelihood. They need to repair this ATM and stop allowing it to function without appropriate repairs. They also need to stop defrauding consumers with this ATM. <P/>I received an update from XXXX on XX/XX/XXXX stating that I am correct that the ATM never dispensed any funds. They sent me evidence which I have attached to this email. They also said they have no records of Bluebird contacting them. So BlueBird lied to me when they said they closed the dispute after they contacted XXXX. XXXX XXXX has denied this claim by Bluebird. XXXX XXXX also agrees with me that their ATM did not dispense any funds, yet Bluebird still charged me for the withdrawal. XXXX XXXX has provided evidence which I have attached to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank closed two of my accounts on XX/XX/XXXX with no explanation, notice, or warning. After 28 days, Chase has provided no status on when I will be receiving my funds. 

Account 1 had {$13000.00} in it. Account Number : XXXX Account 2 had {$7600.00} in it. Account Number XXXX There was no fraud or other bad activity on this account. Chase is keeping the money so they can collect the interest on it. I have followed up with the bank numerous times only to be placed on hold for over an hour each time I call. Whenever I speak to a branch manager, I am told to call back in two weeks. Nothing has been resolved. 

Contact I have been dealing with : XXXX XXXX, branch manager. Phone : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation