BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
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:
XXXX XXXX XXXX is attempting to collect on a debt that I have paid with XXXX XXXXXXXX XXXX. They can't collect on a debt that I paid directly with the creditor. see attached email receipt from 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 2020-09-10
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
FEDLOAN SERVICING is confirming that payment history listed on 4 accounts on my credit reports is correct. Each credit bureau stated that that payment history was sent to them and you are reporting it correctly from XXXX to XXXX It is showing on my credit reports every month that it is outstanding for 120 days each month during that time people. You can not have consecutive months outstanding by same number of days. This is non factual reporting on my credit reports and I like it updated or tradelines removed from reports. Please provide me the documentation that you send to the credit bureaus for my records so that I can see what is being sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX a purchase was made at XXXX for over {$1400.00}. Wells Fargo is trying to hold me responsible for the charge that I did not make. I reported a lost card and had that one cancelled and was reissued another card.

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 2022-10-26
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: Account information incorrect

Complaint:
i contacted all 3 credit bureaus on XX/XX/2022 asking them to verify the accounts and debts on my credit reports due to the fact that i noticed some inaccuracies on my reports the responded telling me that they have verified my reports and yet there are still some inaccuracies on my credit reports the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN ACCORDANCE TO 15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2018-08-22
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The complaint I have with the Mortgage company is Ocwen. You see I applied for a Loan Modification. I was approved, it couldn't come at a worst time. I told them I needed a month to start paying back the loan. A month earlier I was in the hospital for a month you see I had a XXXX and couldn't go back to work for a month. I told them this several times, they told no problem. You can re-apply everything will work out.So I re-apply and I got DENIED. They turned me down flat and didn't even look at my current check stubs.I don't know what else to do I did what they said.I have paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: ENCORE CAPITAL GROUP 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:
I had never received information on how to resolve paying off these debts, from XXXX XXXX XXXX  XXXX. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On the following dates I had fraudulent charges placed on my Citi Double Cash credit card : XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$42.00} XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$170.00} XX/XX/2020 XXXX XXXX   XXXX CA Digital Account Number XXXX {$52.00} XX/XX/2020 XXXX XXXX XXXX CA {$41.00} XX/XX/2020 XXXX XXXX  XXXX CA {$20.00} XX/XX/2020 XXXX XXXX  XXXX CA {$54.00} XX/XX/2020 XXXX XXXX   XXXX CA {$73.00} XX/XX/2020 XXXX XXXX  XXXX CA {$40.00} XX/XX/2020 XXXX XXXX   XXXX CA {$5.00} XX/XX/2020 XXXX XXXX  XXXX CA {$31.00} XX/XX/2020 XXXX XXXX  XXXX CA {$32.00} XX/XX/2020 XXXX XXXX   XXXX CA {$58.00} I was contacted by Citi and stated that the charges were all fraudulent. From XX/XX/XXXX to XX/XX/2020 my entire family was in quarantine with Covid-19, and this can be verified by my employer, the XXXX XXXX  XXXX XXXX XXXX, and my medical provider. I have been very responsive with Citi and immediately replied to all inquiries, and stated that the card in question was in my physical possession while I was in my home. The information provided by XXXX to Citi shows no information matches me, and the card was used in New York. In addition they continued allowing the card to be used after I reported the fraudulent use, and they replaced the card twice before finally stopping all charges placed by XXXX on my account. At this point I lack so much trust in the process the card is locked in a safe and deactivated on the Citi website. 

As of today the investigation is ongoing with Citi stating I have not been replying to their requests which is false. I have never had this much trouble with fraudulent charges on many accounts over the years. The customer service, while polite, is difficult to understand, very limited in what they are able to do, and repeatedly state they are resolving this issue, however nothing seems to have been resolved. Their security and call centers are unable to or unwilling to allow me to speak with managerial staff to get further clarity or any other information. Problems like this with a Citi Costco card have never gone on this long, nor with XXXX, or XXXX XXXX. The Citi rep states 1-2 billing cycles, however we are already beyond 2 billing cycles and this does not appear to be anywhere close to being resolved. I would even suggest that they are investigating each individual transaction separately despite them all being done with one company by the same account holder at XXXX. 

I was first contacted in XXXX, and last contacted on XX/XX/XXXX and last replied on XX/XX/XXXX. I am including the most recent correspondence as well.

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 2020-10-16
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/20 I had a direct deposit from XXXX  XXXX XXXX XXXX in the amount of {$10000.00} for back pay of Missouri Unemployment claim. Transaction ID # XXXX when I attempted to use funds paypal advised me that my account was limited and to send in a copy of my ID and to verify previous transactions on my account, which i provided all information they requested. I was then advised my account has been closed and I would need to wait 180 days before my funds would become available to me. I attempted to contact customer service multiple times which took my entire day. I spoke with an employee named XXXX emp id XXXX who refused to transfer me to a supervisor and after a hour of refusing ended up hanging up on me. I then spoke with XXXX who transferred me to a supervisor that refused to provide me his name and wouldnt answer any of my questions and hung up on me again. Im demanding that my balance of {$10000.00} to be released immediately so im able to move the funds out of that account and permanently close my account with paypal. This has not only caused problems with previously arranged payments but also has caused a problem with receiving payment for multiple jobs. I will NOT wait 180 days until they release my funds when ive not been given a valid explanation of why they are holding my funds. I expect my funds to be released within the 15 days of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-08-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Starting on XXXX the XXXX I started requesting a payoff notice to be sent to our title company to sell our house. Every time I am told it will take 24 to 48 hours. I have tried this process over the phone at least 4 to five times over the last two weeks and at l ; east 2 times through the online chat. As well as there is a document viewer on the website I was told I would be able to view the payoff statement every time I try I'm just given an error code. When I asked why I can not view this no one can even give me an answer. This is causing me to have to pay two home payments every month because we are already out of that home into a new one and can not sell without that statement. The title company has everything else they need and we are only waiting on that one document. They are very unprofessional and apparently all of my calls are being answered in a call center in another country every time I ask where I can file a complaint I am given the run around or transferred to a busy line or disconnected on. Today XXXX the XXXX I am being told there system is having technical difficulties after they told me it would be faxed within the hour. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: KY
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:
There are many mistakes appear in my report without my understanding.

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 2020-10-16
Company: Experian Information Solutions 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:
The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on XXXX  credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus Experian and XXXX  that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX account on Experian shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to Experian as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

XXXX : XXXX XXXX Cash card is still showing on XXXX  as charged off but no update on to the payment status being paid in full and after speaking to the XXXX 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on XXXX  as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct

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 2020-10-16
Company: EQUIFAX, 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:
The platinum card ending has been settled on XX/XX/XXXX to the collection agency XXXX has assigned but on Equifax credit report shows updated on XX/XX/XXXX with balance of {$1500.00}. Are you still going to say that the XXXX is reporting correctly? If you collection agency didnt report to XXXX in timely manner its not my fault. This email is in reference to an ongoing issue. I am very frustrated as I have been going back and forth with your XXXX XXXX and sadly no concrete outcome has been made. Please see the attached documents from both credit bureaus XXXX  and Equifax that show XXXX XXXX reporting incorrectly missed payment when there is no balance due. 

I request you to please research the incorrect reporting from XXXX XXXX 's end and help resolve this issue. Unfortunately, reaching out to the credit bureau directly is not solving the issue because I am being told that the discrepancy is from XXXX XXXX end. 

XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX account on XXXX  shows completely wrong information as these account were opened up on XX/XX/XXXX and charged off on XX/XX/XXXX and as per the details provided by XXXX representative but on the credit report it missing the payment history from XX/XX/XXXX through XX/XX/XXXX, This account was fully paid in XXXX and reported to XXXX  as paid in full but is still showing negative for the month of XX/XX/XXXX which is an error. 

Equifax : XXXX XXXX Cash card is still showing on Equifax as charged off but no update on to the payment status being paid in full and after speaking to the Equifax 's representative today they advised me to check directly with XXXX XXXX because only XXXX could send the update as charge paid in full. 

XXXX XXXX XXXX card is still showing on Equifax as charge off but no update on the payment status and showing the major delinquency in XX/XX/XXXX. 

In summary, I am requesting you to look into the matter on an urgent basis because due to these error reports by XXXX I am hurting both mentally and financially. 
I am requesting you to please assign someone to handle all these issues and send me an update by fixing or removing from the credit report. 

Please feel free to forward this to the correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: ZIONS BANCORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX I made one credit card with National Bank of Arizona. I received a credit card ending with XXXX around XX/XX/2020. I start purchases with this credit card. 

On XX/XX/XXXX I made a payment from my business bank with NBAZ of {$1000.00}. statement reads " CREDIT CARD ECS XXXX XXXX CONTROL REF # XXXX {$1000.00} '' On XX/XX/XXXX I noticed that I had 2 accounts for the same credit card, one ends with XXXX XXXX ends with XXXX, that also had the same balance for the same transactions. I brought this up with my banker over email and was told it would be taken care of. 

" Hi XXXX, The card ending XXXX is the control account, which you will not have a card for, they shouldnt have set up your account this way. All balances roll up to the control account. ( This is more for businesses that have several cards for their employees. ) I will have them delete the control account so that you just have the one card, it wont be so confusing then. I will find out when that card is closed. '' The account ending with XXXX was then closed ( I was not told the date nor given a statment or anything by mail ) I must assume it was closed on XX/XX/2020 as this the date I received a statement on my account ending with XXXX stating " TRANSFER BAL FROM CARD XXXX {$1700.00} '' Not only this but I have no record of the {$1000.00} on my credit card payment history ending with XXXX. BECAUSE THEY PUT IT ON MY DUPLICATED ACCOUNT ENDING WITH XXXX AND THEN DELETED IT. 

Thus, I have been double billed XXXX on the account ending with XXXX and paid {$1000.00} on a control account ending with XXXX that should have had the payment transferred to the account ending with XXXX to the account ending with XXXX with my CC account with NBAZ. 

In total I have been cheated {$2800.00} from my CC with NBAZ.

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 2022-12-29
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Tesla offered {$3700.00} referral credit and XXXX miles of supercharging for delivery of vehicle in XXXX to encourage buyers who placed holds on their delivery until XXXX to take advantage of the {$7500.00} XXXX tax credit. Due to this incentive I removed the hold from my order and I took delivery of my vehicle on XX/XX/XXXX. On XX/XX/XXXX XXXX increased the amount to {$7500.00}, double what was initially offered to take delivery between XXXX XXXX XXXX. How is that fair? 4 days later to increase the amount of referral credit. I would have waited to take delivery until the following Saturday. I reached out to the customer service in which I was communicating with throughout the purchase process, and was unable to reach a settlement and was told I was given the best offer at the time. They mislead me to believe that I was getting the best deal in exchange for waiting till XXXX to take advantage of the full XXXX tax credit of {$7500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a XXXX year CD mature on XX/XX/2022 and had specific instructions to close the CD and disburse funds at maturity and I have a confirmation email of these instructions from the bank on XX/XX/2022 However the bank blatantly disregarded my instructions and renewed my CD and is now attempting to charge me an early withdrawal fee to access my funds

Company response to consumer: Closed with monetary relief