BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-10
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I previously contacted the companies and listed with documents below the mentioned accounts are fraudulent. I have contacted the data furnisher and asked them to remove these accounts please check and fix this issue : ACCOUNTS : 1. XXXX/XXXX  2.XXXX XXXX 3.XXXX 4.XXXX/XXXX  5.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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
TransUnion is refusing to work and operate as a neutral party. They have not demanded the debtor to provide accurate information of debts. Debt collectors are basically making statements with no proof. The account I am complaining of states closed and paid by collateral of the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is charging me the full amount as late on my credit report for a leased vehicle that was returned to the dealer on XXXX XXXX, 2016. The dealer had agreed to pay off the vehicle at {$26000.00} and charge me monthly payments of {$250.00} until the agreement on the lease was satisfied. Instead, they are showing me late for {$18000.00}.

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 explanation
Consumer complaint received 2021-10-10
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2021. Company received my dispute on XX/XX/2021. It is now XX/XX/2021 and I have yet to hear anything back from the company. The FCRA gives the company 30 days to respond and I haven't gotten a response for this medical bill

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 2016-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.

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 2015-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On what I think Was approximately XX/XX/XXXX, I got a call from USAA telling me that I had an outstanding balance on a credit card that was closed in XX/XX/XXXX. The balance was for {$14.00}. They told me that the card originally had XXXX cents and had accrued interest over the last 8 years. I told them that I had closed that account. They said that it was their mistake and credited my account the {$14.00} and closed the account. I asked them if this was going to affect my credit rating and they said that they were n't going to report it to the credit agencies. the following monday I got an alert from XXXX XXXX saying that my credit score went from XXXX to a XXXX. Not only did they not contact me for 8 years to settle the account, but they assured me that the outstanding balance was their fault and that no credit reporting would occur. I feel that I have been unjustly treated and my credit score should n't be affected.

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 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had booked a ticket with CapitalOne credit card # XXXX on XX/XX/XXXX on a website makemytrip.com for a package to XXXX, XXXX # XXXX. Immediately after purchase I understood the fraudulent nature of this company- they said that we were paying for 3 beds but went back and said we have to pay for the extra 3rd bed after purchase. They sent new terms and conditions stating that everything advertised was reversible and we could not ask for refund. After seeing this, I cancelled the ticket at XXXX on XX/XX/XXXX and took a screenshot and I called capitalone telling them what happened. CapitalOne assured me that they got my back. I emailed the merchant since I did not receive a confirmation from them and that email was unanswered. On XX/XX/XXXX, I got an email from the merchant asking about the credit card dispute- I told them what happened and asked for refund again, to that there was no response. On XX/XX/XXXX the merchant kept making intimidating calls to me to go and I still did not go on the trip as Capitalone assured me that it has got my back. On XX/XX/XXXX I got a mail stating that the amount has been rebilled by CapitalOne to my account since the merchant sent paperworks stating that I agreed to pay the original amount. The merchant has not disclosed any acknowledgement that I had made attempts for cancellation. I submitted all the emails and screenshots that I had to Capital One but it refused any of those documentation to be valid documents. Now it wants me to pay the {$1900.00} for a trip that I did not make. Instead of protecting me from the fraud that has happened- CapitalOne now is making me bleed for such a large amount when I never got the service. CapitalOne is stating that my documents ( screenshots and emails to the merchant ) are not valid documents. I am attaching them to this email. They are also refusing to press charges against the merchant even though they said that they would do that before. They re-billed the transaction of XX/XX/XXXX to me on XX/XX/XXXX I am attaching the statement for it. Capital One though initially returned the full amount but now making me pay for something that I did not even get a service of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent checking account was created online with my information with Well Fargo Bank. This account was created online with XXXX dollars deposited on XX/XX/2021. I received a debit card in the mail and a letter with a PIN number as well as a letter from Fraud & Claims Management Dept from Wells Fargo stating closure of deposit accounts. I have alerted Wells Fargo regarding this matter. I checked my credit report and there is no information about any new accounts created.

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 2016-12-22
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reports collection as being opened XXXX ( when they purchased the debt from previous collector ). Original date of delinquency with original creditor is XXXX. Debt has been sold/purchased by multiple collection agencies within the last 3 years. Have filed disputes will all XXXX credit bureaus. Have been denied for other credit accounts and mortgage because the date displayed does not reflect the true age of the debt and it appears I have a new delinquency when I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
During COVID, federal loans were in forbearance and interest was not supposed to be charged on federal student loans. Nelnet charged me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call at XXXX on XXXX/XXXX/16 from Sunrise Credit Services XXXX The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from XXXX XXXX Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from Sunrise Credit Services. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.

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 2016-03-28
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently was forced to get an appraisal done through Roundpoint to get the PMI removed from mortgage. Roundpoint made me get this appraisal respite the lender not specifically requiring appraisals for PMI removal ( Lender requires some form of property value assessment, acceptable forms include XXXX. ) Before I agreed to this appraisal I made sure I would receive a copy of the report and the invoice. Roundpoint confirmed in writing that I would receive these items ( Reference paragraph XXXX of the XXXX email attached ). The appraisal report was sent from the appraisal office to Roundpoint on XXXX/XXXX/2016 ( I was not copied on this ). On XXXX/XXXX/2016 at XXXX am I sent an email to Roundoint ( servicinghelp@roundpointmortgage.com ) again requesting a copy of the appraisal and invoice ( reference attached XXXX email ). I waited weeks before sending another message through the Roundpoint online messaging service, again requesting this information ( reference attached XXXX message ). Roundpoint has refused to give any kind of response.

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 2023-09-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2021-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XX/XX/2021 Received probably my XXXX  or XXXX  prescreened XXXX XXXX offer from Capital one with my last name misspelled. My name and info is registered to opt out of prescreened offers and this is the only company that keeps sending me XXXX XXXX applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from CONVERGENT. I had previously disputed this account. I have never done business with CONVERGENT. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ONVERGENTProvide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CONVERGENT Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Via cfpb complaint response from EOS CCA on XX/XX/21, EOS CCA stated the following, " The account has since been closed, collection activity has ceased and our office will not contact you further. EOS CCA has already notified the credit bureaus to delete the above reference account from their records. '' There was a " NOTICE TO COLLECTION PLACEMENT '' dated XX/XX/21 mailed to a po box .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Pursuant to 15 U.S. Code 1681 ( b ) ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Transunion, a consumer reporting agency, has not received my written instructions to furnish any of the following inquiries on my consumer report to any of the creditors listed below however, inquiries from these creditors exist on my consumer report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2016-06-23
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my cell phone every 10 min, all day long. When I originally answered the 1st call weeks ago, they were very vague on where they were calling from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: GUARANTEED RATE INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I submitted my $ XXXX loan application after paying XXXX in escrow. I applied using the lender that the sponsor wanted me to apply with GuaranteedRate and have been in constant contact with the morgagte consultant in providing them with the documentation they need from me up through XXXX. On XX/XX/XXXX, I get an update from XXXX telling me that my file should be approved this week. 

Then on XX/XX/XXXX, XXXX tells me " So hold off on binding anything we are having a little trouble with your approval, XXXX is looking into it, and will be in touch. '' I send several emails asking what exactly the issue is but did not get a response.I talk to XXXX over the next 2 week who tells me a different issue holding up the approval : 1. Condo occupancy ( % occupancy ) 2. Confusion about the tax amount amount and asking me what the amount is 3. Telling me that I need to lower the loan amount I am applying for and also pay off my existing credit cards. 

Okay, call me crazy but if I need X dollars and they are offering me less than X dollars thats essentially a rejection. After finding this out, I immediately contacted my attorney to let them know and also ask XXXX to issue me a formal notice to which he refused. 

It is XX/XX/XXXX now, 5 days away from closing and I still have not received any formal notificiation ( approval or rejection ). If i don't get this letter, Not only do i lose my 10 % deposit i put down for the house I bought but I also purchaesd something I can't afford. 

I am a first time home buyer and this has caused me so much stressed over the last 3 week that I haven't been able to sleep and it is impacting my work. 
Help!!! 

I had moved to XXXX based on my agent saying this process will close within a month. It hs been over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter to which I still havent heard a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 I had XXXX XXXX and XXXX of my XXXX by XXXX XXXX XXXX. The total for XXXX came to {$77.00}. On XXXX XXXX, 2015 I called XXXX XXXX XXXX and asked for any discounts since I did not have medical insurance XXXX in customer service reduced my bill by XXXX % and I paid the discounted rate of {$38.00} at that time over the phone with my Visa debit card. 

Over the next few months I continued to receive bills from XXXX XXXX XXXX for the discounted amount. Every time I got one of these bills I called customer service and was told they correct the error. 

Now XXXX XXXX XXXX has turned my account over to a collection agency. I do n't know if this company is so poorly run they can not correct a simple error or if they purposely keep billing people hoping they will pay what they do not owe.

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