BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just seen a collection from XXXX XXXX  collecting for a XXXX account which I have never had ever. This is wrong and I want it removed from my credit file. I did have identity thief back in 2006 and filed a police report I 'm hoping someone is not using my information again. I dispute this account as it does not belong to me and want it removed ASAP

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 2016-09-26
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Saturday, XX/XX/2016 at XXXX, on my way to work - after paying off a credit card, I decided although I felt a little worried about it, to deposit l large amount of money via USbank ATM machine. My total was approx. {$1900.00}. After sticking in my ATM card, plugging in my pin, gathering my faced cash, and depositing into machine- I sat there while the ATM processed my transaction for about half a minute. I knew something was wrong because it never usually takes that long- regardless of amount. Suddenly, without all of its usual prompts ( would you like to make another transaction? A detailed summary of a break down of the bills ), the machine spits out my card and approx. {$100.00}. Hoping the other {$1800.00} got counted into my account, I put my card back in. NOTHING! I deposited the {$100.00} and thought maybe, just maybe the ATM would register the other part of my transaction, but no. 

What is sad is that this machine has ripped me off for XXXX bucks without my knowing once before. I did n't notice, but received an apology letter on behalf of USBANK. And again, for {$40.00}, which I had disputed, but never persued. But this is intense, this is n't just pocket money. I used XXXX, {$100.00} bills, XXXX {$20.00}, XXXX {$5.00}, XXXX $ XXXX. I thought that because maybe if there was n't an array of various cash, that it would be okay. My deposits are usually chaotic, different bills, in no order. I was sure that facing, putting them in order, and straight would get it right. 

I could n't be more wrong. 

I immediately called their customer service to file a dispute. I spent an hour on the phone with a representative ( XXXX minutes into my work shift!!!! ). 

I 'm filing a complaint because this is the THIRD time this machine has miscounted and malfunctioned. This is obviously my last time using a machine for an " easy, on the go '' Deposit. Today, Monday XX/XX/XXXX, I was at the USBANK right at XXXX when they opened. I spoke with a manger about it. He had ZERO regard that my account is about to overdraw, checks are about to bounce, and it 's ALL BECAUSE OF THEIR MACHINE. Like I said, this was n't pocket change. It 's {$1800.00}!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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 2016-06-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.

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 2021-12-28
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Reported problem to XXXX, about credit card account INDIGO that went into collection but the collection agency doesnt appear on my credit report and I have paid amount owed to that collection agency. Called XXXX XXXX XXXX. The agreement between me and indigo credit card was I pay velocity collections and they would forward proof to XXXX as paid and to delete from my credit report. On XXXX and XXXX it was done right and it doesnt show on my credit report. So XXXX is my problem they just dont know what there doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is in regard to a capitol one credit card From what I understand, there was a 21 % credit card open in XXXX in my name. Unfortunately, I can not confirm who opened the card, nor can I confirm the purchase was made. Capitol one tells me a charge was made at a gas station near my home in XXXX, Hawaii ( XXXX ). The purchase was for {$15.00} I made payments continually, on time. Capitol one raised the payments with some fort of hidden fee and continued to charge me late fees. Capitol One manipulated the situation and socially engineered me when I called in to get information on this card XXXX. Capitol one sent me a letter stating I have never been pate on a payment however the debt collection completely contradicted the letter and now they say I owe approximately {$1000.00}. 

Tried contest by : - created a complain with XXXX XXXX XXXX they did nothing - XXXX XXXX contested with a letter Now I am here hoping someone can help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an account open with Discover. Sinc e 2014  my account has been in good standing. I reached out to Discover to request my account be reviewed for a reduced interest rate. My current interest rate is 23.74 %. After 3 years of on time payment I was looking to reduce my rate to pay off my account faster. Much to my surprise  Discover  would only offer 0 % for 12 months, then reverting to 23.74 %, or 18.99 % to be applied to all future purchases, effectively not at all helping with the issue of my current balance interest rate. My intentions are to pay off my card so I may look at financing a home, however with Discover 's policy to not change interest rates on current balance, even after proven good standing. is completely immoral and anti-consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: Williams & Fudge, Inc
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've sent a letter to Williams & Fudge explaining that the debt they have reported I owe, I do not. I requested a validation of debt owed, and that information was not provided to me as requested. I also have asked previously through harassing phone calls attempting to collect this debt for validation, and nothing has been sent to me. I have yet to see acceptable proof that this debt is owed. By law, they are required to provide this information within 30 days, that was not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
During the dates of  XXXX / XXXX /   2014 and until  present, Navy Federal Credit Union have violated multiple debt collection laws to try and collect money from me on owed debt. Navy Federal Credit Union used multiple different deceptive practices to try and obtain money from myself, which include falsely threatening legal action and wage garnishment, contacted third parties and threatened my job and security clearance, misrepresented credit consequences of falling behind on loan and credit card payments, and illegally froze access to my accounts. All of these deceptive practices are a direct violation of  Dodd-Frank Act, and consequently Navy Federal ha s been issued a consent order for the violations I have listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: FREEDOM FINANCIAL NETWORK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Received a flyer that I am eligible for a Loan Consolidation, when I went and applied on line I was advised that I needed to speak with a rep. I called in, and found out sorry you do not qualify, but we can get you into a program with Freedom Debt Relief ( Bait and Switch ). Read about others on the XXXX  page that they also had this same situation. Worked out most of the credit card accounts, fees are really high. In the end probably paying the same amount in debt, not much of a savings. The real issues come into play, when someone tries to sue you ; I was assured that someone would be there to help me, we help you get a legal team in place for this. Really they are not there for me, they may claim it is NOT their legal team, but in reality you can not ever speak to the lawyers, you have to do all the work, I had to call and write to the courts to stop the lawsuit. The first time, I was told, that my account was about {$100.00} short and the attorneys would not touch it. I jumped and put the full extra amount requested, then a few weeks later I get another letter that they had not heard from me and proceeding to sue me, I received a court summons, I called very upset, they said I needed to respond, and that the needed almost {$600.00} more added to the account, I borrowed it, them I once had to deal with it. Them I get a letter that the attorney never heard back from me, and the attorney was requesting the judge hold me in contempt and rule in their favor, when I called in very upset I was told I needed another almost $ XXXX. Which I am on a payment plan of an additional {$800.00} per month. Now I received a letter from the attorney looking to settle directly with my NOT FREEDOM DEBT RELIEF, whom I have sent all this money too. I had previously sent a CFPB complaint, halfway though this situation, BUT IT HAS GOTTEN WORSE, I had someone try to contact me 1 DAY, when I sent him back an email when I was available, he said he was not available at that time. When I tried to call him on the phone number he left, both XXXX and XXXX said that those were invalid numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citizens Bank charged {$600.00} in interest for a payment that they received on the exact day and charged our interest for 18 months without our knowledge. This was for an escrow correction, so the check was sent in the mail instead of being sent electronically like it usually was. They acknowledge that the check was received on the due date. They never issued a statement in that 18 months and would have continued to defraud us forever without informing us. They did this all despite the fact that there was more than enough money in the account to cover it the entire time. They have refused to remove the charge. The employee we spoke to was XXXX XXXX. We complained to the bank and XXXX from the Office XXXX contacted us, said they would respond within 2 days and never did. We followed up and she actually asked why we were bothering her if we knew they were n't going to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
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: Information is missing that should be on the report

Complaint:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor dignifies ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and the y MUST b e removed immediately to avoid litigation :  1.    XXXX   XXXX   XXXX   XXXX   XXXX    2.    XXXX   XXXX  3.  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 2021-12-28
Company: EQUIFAX, INC.
State: GA
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 would like all items listed above to be removed from my credit profile immediately, due to several disputes XXXXmonths ago and uploaded documents regarding the disputes such as Police Report and XXXX XXXX Court Document. I have dispute several account with equifax and I submitted complaints regarding several creditors on my credit profile and uploaded supporting documents These companies are still reporting negative on my credit profile which have caused me to to be denied for numerous of credit opportunities. Listed below you will find the complaint number from CFPB and the creditors listed. I would like these issues to be resolved immediately and not just a statement of investigation, There have been Several investigations and no results. I would like for equifax and the companies listed to uploaded all supporting documents, regarding the debts listed on my credit profile. Otherwise I would like to request full investigation from the FTC. This have affected my life tremendously. Need Help ASAP!!!! 
Thank you CFPB Complaint Numbers with the documents attached : XXXX Companies Listed on the credit profile : - XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX : {$7900.00} - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account with certified USPS letters over 4 times. Nothing has been done on the investigation and the account continues to be reported wrongly. This account is unverified as it was paid off on time with no payments ever late. Promptly DELETE all information which can not be verified.

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 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation  : 1 .  XXXX   XXXX  2.  XXXX   XXXX  3.   XXXX     XXXX  #  2   XXXX  also shows a high limit on a collection account which is also falsely reported.

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 2016-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion is continuing to report the accounts listed below in error. 
UNKNOWN CREDITOR ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX ,  XXXX ,  XXXX  Validation of Debt letters were s ent to Commonwealth Finance ( Amounts : {$1600.00}, {$150.00}, {$150.00} ) for a med ical bill that I did not recognize from the  XXXX ,  XXXX  and  XXXX  of  XXXX . I requested validation after speaking to them on  XXXX   XXXX  at  XXXX   XXXX  for  10 minutes, 15  seconds. During this call I requested validation of this debt due to not knowing anything about this debt. I simply requested a bill, itemized list or an invoice so I could verify if this debt belonged to me. I was told over the phone that they did not have any of that information, only a file from   XXXX   XXXX   XXXX  . This entire call was recorded by them and myself and notification was given that the call was being recorded by both parties. I asked for that file and they refused to acknowledge that it will be sent. They placed my account in dispute status and re-reported the  XXXX  debts to the credit bureaus. I also filed a dispute with I sent a " Failure To Validate '' letter on  XXXX   XXXX ,  XXXX  due to  Commonwealth Financial failure to send me pre viously requested validations of these debts. Another Validation of Debt letter was sent on  XXXX   XXXX ,  XXXX  regarding the other  XXXX  amounts. During this entire time,  Commonwealth Financial ha s still refused to send me any validation of these debts and according to  XXXX  is still claiming that these debts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My student loan company ( XXXX ) reported I was late with my payments XXXX times back XX/XX/XXXX, XX/XX/XXXX. At that time I had several XXXX, was not working, no money coming in. I called my student loan up & they granted me a temporary medical forbearance ( unsure what it was called ) good for 6 months which I renewed several times since I ended up having XXXX XXXX & not working almost 2 years. They were aware of the situation-I even offered a doctor 's letter, which they refused. Since then I have recovered, went back to work and have not missed a payment but this is impacting my credit score ( along with medical bills that were to be paid by the fault of the other insurance ) & I can not get a loan anywhere at a decent rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation