BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Roughly around XX/XX/XXXX I was behind on my monthly payment and I set up a payment arrangement with Conn 's and they accepted it and said once it cleared they would defer my payment and I thought that was the end of it after the transaction cleared, but they continued to call constantly 4-5 times a day. I asked them to stop the frequent calling I was actually trying to recover from a XXXX XXXX and the calls stopped for a while and then started all over again. So now in XX/XX/XXXX I am experiencing the same thing 4-5 times a day maybe more from different numbers which is now getting ridiculous! I've made another payment arrangement divided into 2 payments 1st one has cleared the other one is due on XX/XX/XXXX but in between the payment arrangement the harassing calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Discover bank as violated my consumer rights according to the FCRA. 

Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. 

Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently ordered my Consumer reports and XXXX and Transunion are reporting unauthorized collection accounts on my credit reports without my consent which is Identity theft. Im getting denied for loans and credit because of these unauthorized collection accounts.

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 2018-01-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX I was forced into an automatic debit setup with Navient to avoid negative reporting with my student loan. They threaten me with credit reporting issues and although I advised I couldnt pay, the rep made me feel like I had no choice. I was advised that the only way they would work with me was to setup automatic debits from my account which range from $ 80-89! although I was given a set amount, they never debit that set amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Around XX/XX/2017 billing statement i received a notification from XXXX XXXX  that my credit score had gone down quite a bit. it was showing i had a XXXX missed payment from capital one. After looking at my account there was a charge for interest that i was never notified about. I did not receive a bill in the mail an email nothing. I had thought up to this point the balance was XXXX out or close to it. After reaching out to capital one they said they have no where in their policy that states that they have to reach out to tell you when a bill is due. I find this to be very deceiving and a terrible practice that i have not had a problem with from any of my other 7 credit card companies. I have submitted several complaints and will not stop until this matter is fixed to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: EQUIFAX, 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Fig Tech Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Fig loans and XXXX XXXX XXXX repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a wreck in XXXX of 2016. The car I had through Capitol One Auto Finance was totaled out by the insurance company XXXX XXXX in XX/XX/2016 At the time I had full coverage through the company and gap insurance as well. Well the company settled XXXX leaving a balance of XXXX. Gap insurance sent over 2 checks XXXX and also XXXX. The total balance of the car owed XXXX. This left the account paid in full. Then 2-3 months later the XXXX XXXX XXXX started reaching out stating that I owe XXXX XXXX Ive been disputing with them for the last 4 years. They arent able to tell me exactly why XXXX is owed on the account when they originally gave the numbers to the insurance company of what was due. Now that Im paying close attention to my credit Ive been asking them to fixed the account they have refused to do so. Hopefully Im able to get some assistance this way. They have reported the account late and default which is not true. The account was paid in full from all paper work I received

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2021, when signing up for a TransUnion Credit Monitoring account, I was told to input a credit card information to verify my identity on their website. What they did instead was creating a subscription for their service under my account for {$27.00} ( tax included ) sneakily. 

I bet they covered this up in a very small print or link somewhere in the website. I provided my credit card information NOT knowing that I will be charged any amount. I would not have provided it had I known it would be sneakily charging me every month. This is a very predatory behavior and is widely documented online ( try searching XXXX for the term " transunion automatically subscribe 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 monetary relief
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion you are in violation of reporting a alleged account that is in dispute it was not and has not been verified as legal or accurate to report XXXX XXXX XXXX has no right to report to you .you clearly are violating the FCRA this was referred to the CFPB case XXXX on XX/XX/2019 remove this account at once

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 2020-06-05
Company: Mr. Cooper Group Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This whole issue started in XXXX. I was on a modified repayment plan requiring me to pay a month 's missed payment over the period of three months with the increased payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - these payment due dates explicitly give you through the end of the month to submit your payment. I made the XXXX payment no issues. I scheduled the XXXX payment for XX/XX/XXXX. When the money was finally pulled from my count, my account had an insufficient balance so the payment was not made. I scheduled another payment for my XXXX payment to withdraw on XX/XX/XXXX. Mr. Cooper denies that they ever withdrew the XX/XX/XXXX payment from my account - in spite of bank statements, and confirmation by bank employees that the withdrawal was made in the same fashion the previous 4 months ' had been taken. After over a month of Mr. Cooper denying that I'd made my payment, I disputed the ACH transaction through my bank to have the money returned to me. I made a mortgage payment on XX/XX/XXXX. I paid the balance that was due on my account - in fact, Mr. Cooper 's website does not allow partial payments even if you were to want to make one. Based on the language on my account, my account was current with a normal payment of {$1000.00} due XX/XX/XXXX. As of XX/XX/XXXX my account reflected I was current. Then on XX/XX/XXXX I received a letter than my account was past due and that I had " unapplied funds '' and that I now have a payment of {$2300.00} that is past due from XX/XX/XXXX. 

Mr. Cooper can not explain to me where my XX/XX/XXXX payment has gone, it is not properly crediting my account to reflect that they collected a payment from me on XX/XX/XXXX and I am out of options because of their utter incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: SYNCHRONY FINANCIAL
State: DE
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:
On XX/XX/2021, I made a purchase in which the seller claimed they sent me items I paid for more than a month. I filed a claim with PayPal Credit and was informed that I have a credit in the amount of {$540.00}. 

On XX/XX/XXXX, I contacted PayPal Credit and they had me jumping through hoops to get my money back. I spoke to a manager, who identified himself as XXXX. He informed me that I had to provide a number for him to send me a link for verification. I provided him the number. Then he said that I would have to take a video of myself before I could get my money. 

This is the most ridiculous process for anyone to get his/her money back. I should not have to be subjected to taking videos of myself to get what is owed. I demand that they credit a better system for account/identity verifications. This process is quite invasive and draconian.

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 2019-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To whom it may concern : On XX/XX/2019 I sent Experian 2 letters regarding errors on my credit report. The first letter was about to 2 XXXX XXXX XXXX that are appearing on my report. They do not belong to me and should not be on my credit report. The second letter is about inquires that were not authorize by me nor did I give permissible purpose to request my credit profile. I received 2 responses one on XX/XX/2019 and the other on XX/XX/2019 from the Experian stating that the XXXX XXXX credit cards and inquires were verified. In both of my letters I requested that they provide me with proof of investigation. They did not send me any proof. I have concluded that they did not do an investigation and sent me a computer generated response. It does not say who they talked, when they talked to them or what type of evidence they gave to support theses accounts. This is a violation of the fair credit reporting act. I included both my ID and Social Security card to prove my identity. In addition, they also stated they do not have re-investigate. This is also a violation of the fair credit reporting act. The inquires and credit cards should be removed from my credit report immediately. Experian has violated my rights under the fair credit reporting act. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
For Calendar year XX/XX/XXXX, Wells Fargo issued me a XXXX in the amount of XXXX, while at the same time the above noted amount was never forgiven or removed from my mortgage principal balance. I have requested for Wells Fargo to explain and provide documentation for their actions. It has been approximately a year now and Wells Fargo has failed to give me or produce any documentation legally justifying their actions. It appears Wells Fargo is double dipping. Getting tax benefits by producing fraudulent documentation mortgage loan was given while at the same time, charging me the consumer the full principal amount of the loan. 

If there are any questio

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 2021-12-02
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good Morning, I am deeply alarmed by this sequence of events. 

I notice on XX/XX/2021 that {$37.00} dollars has been adjusted off my checking account/ spend account. 

I have you call me - the first agent puts me on hold and disconnects. 

I have you call me again - the next agent states her and her supervisor only see adjustment of {$37.00} and escalate and I should have an email in 2 hours about resolution - no email comes I go to login to chime on XX/XX/2021 and it says my account has been closed- you owe me all my money that is in the account if you plan to close it and a justification. 

Luckily I took screen shots of my account before you closed it and did the math - my checking/spend account had {$37.00} you adjusted off on XX/XX/2021 without reason or notice - the savings has {$17.00} - so I expect a total of {$54.00} to be sent to my linked bank account at XXXX XXXX ASAP or paid to me via check - you are not allowed to take my money without notice and justification. 

You also cant say I have been active as I have logged in to use spot me boost multiple months. 

This behavior is unacceptable and a violation of federal banking laws and state banking laws XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
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 hate the fact that I have to file complains on this one credit bureau that is always causing problems failing to comply and the representatives I get on the phone are rude dont listen have attitudes misrepresent the company, give false information and not realizing im documenting everything. THE REPRESENTATIVES ARE RUDE WHEN ASKED TO LOOK OVER A LEGITIMATE MATTER WITH LIGITIMATE FACTS ... 

I disputed a account with Experian recently a account called XXXX XXXX  XXXX THAT THE HAD A IMPROPER NOTATION LISTED FOR YEARS, INCLUDED IN BANKRUPTCY BUT AS WE ESTABLISHED THE BANKRUPTCY WAS NOT MINES THEY DELETED THEREFORE WAS SUPPOSED TO DELETE THAT INCLUDED IN BK ACCOUNT ... .instead what they did was they went in and deleted the notation and leave the account reporting all kinds of false information, to make matters worst they deleted a XXXX XXXX XXXXXXXX account but not the right account, the one that was supposed to be deleted is the one with a balance of {$810.00} the one they deleted was a positive account, this is the second time this month they have deleted a account but not the account that I actually disputed, they deleted the wrong account ... then the rep told me that the data furnisher made the decision to delete the positive account, which they sent me a letter saying they never made that request along with the lettter stating that they never list any account with them with a bankruptcy notation, so experian did that all by themselves, I have full paper trail ... the agent twisted her words on a phone call made today at XXXX eastern standard time, when she first claimed I disputed the account that was deleted, then when I challenged it she said the furnisher did it, which I know is incorrect ... they made me lose 30points on my credit they want to keep bad information thats not supposed to be reported and delete my good information and then be rude and not listen to me and not try to correct the error.. ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ACCT # XXXX XXXX BAL : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice actually 3 in one day to collect some kind of court debt. I have no knowledge of any such debt. 
I had a debt with the courts 1 1/2 years ago and have been in constant contact with the court and the judge and we pulled up all cases and resolved them and are on a payment plan until this XX/XX/XXXX at which time the judge ordered it will be paid in full. 
This collection agency is not one that this court even uses and I dont recognize any of the docket numbers from what we had discussed and copy of from the same court. 
So I believe this to be fraudulent. 
I have not called the company because it may be a scam but I have called the courts and left a msg and waiting for a return msg but am confident with all of our records and contact with the judge these do not apply to me at all. It is also not showing on my credit report, nor have I ever received any notice of collections previous to the threatening letters of garnishment I have here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/18 I was made aware through XXXX that a company by the name of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX OH XXXX ( NO PHONE NUMBER PROVIDED ) made an inquiry on my Transunion credit report. 

I mailed a written dispute directly to Transunion disputing the inquiry. All Transunion did was send me a copy of my credit report basically stating that it was a valid inquiry because XXXX XXXX provide Transunion with my address. 

It is not a valid inquiry! I have never had any dealings with this company ... ever. 

This company had no right to inquire on my credit report and I believe Transunion made no attempt to confirm this with this company. 

I also made several phone calls to Transunion trying to explain to them why this is not a valid inquiry and all they could tell me is that " HARD INQUIRIES STAY ON MY REPORT FOR TWO YEARS ''. 

Obviously, I would like Transunion to remove this inquiry asap or provide me with evidence of my signature that I applied for any credit with XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt as per FCRA requirements by law. Furthermore this debt does not belong to me and this is the first time I received anything about this.

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 2018-08-27
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
BBVA compass refused to honor {$200.00} signup bonus for opening a checking account and establishing eligible direct deposit. 

BBVA ran a promotion in XX/XX/2017. The detail of the promotion is : " BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening. '' I opened an checking account on XX/XX/XXXX and got the email on the same day. I set up direct deposit. For example, a direct deposit of {$5400.00} from my employer was successfully deposited on XX/XX/XXXX ( CREDIT FOR XXXX XXXX XXXX ). However, I have never received any {$200.00} bonus up to date. I've reached out to the customer service and talked to a supervisor ( XXXX XXXX ),  but she claimed that I am not eligible. 

Thus, I am filing this complaint, and I hope CFPB will be soon aware of this. Thank you very much.

Company response to consumer: Closed with monetary relief