BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have attempted to have TransUnion, twice in the past, remove a XXXX account ( # XXXX ) that belongs to my dead father in the case of a mixed file. The XXXX most recent letters are attached. I just got off the phone once again and was told they were powerless to remove accounts even if the account did not belong to me even though TransUnion only needs to pick up the phone and call XXXX to confirm it is my dead father 's account and that he died back in XX/XX/2021.

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 2021-02-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I consolidated my students loans with XXXX XXXX. 
These are the loans that were consolidated. 
XXXX XX/XX/XXXX XXXX  {$17000.00} XXXX XX/XX/XXXX XXXX  {$6600.00} XXXX XX/XX/XXXX XXXX  {$11000.00} XXXX XX/XX/XXXX XXXX  {$3000.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX  {$500.00} XXXX XX/XX/XXXX XXXX  {$8500.00} XXXX XX/XX/XXXX XXXX {$12000.00} Experian continues to show that these above loans are open as well as the new consolidated loan for {$150000.00}. 

XXXX provided me the documentation to prove that they are only reporting the {$150000.00} and that the other accounts were closed. 

I am asking that Experian reports the information accurately.

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 2017-03-31
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My care credit account was closed unknowingly on XXXX XXXX XXXX due to us filing bankruptcy ( which I understand ) that which still collected my {$100.00} to {$150.00} a month payments and would probably still be accepting our payments if we had n't tried to use the card last week and declined now they are saying they only owe us {$100.00} I want this investigated. I never put them on my bankruptcy but it is standard to close account I understand that but when the account was closed it was $ XXXX. so I am being cheated and I feel this needs attention!!!! my payments are XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$150.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # XXXX XXXX/XXXX/XXXX {$100.00} ref # 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 monetary relief
Consumer complaint received 2017-02-22
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This agency Global Finance continues to call on a automated line on a daily basis and I 've called them to let them know that whoever they 're trying to reach I do n't know that person and to please STOP calling and they said that they would but I 'm still receiving calls asked them again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I opened a dispute with Capital One against XXXX XXXX XXXX and provided the requested information listed in the complaint form. 

On XX/XX/2022, I reached out for an update and was informed that the pending information that was still needed was proof of return. I explained that I contacted the merchant by phone and my request for return was not accepted, therefore, I had no proof of such. I was then instructed to indicate in writing, when and how, I contacted the merchant to request a return and on this same day I uploaded a signed statement of the request information. 

On XX/XX/2022, I contacted Capital One for an update and was informed that the case had been closed due to being filed outside of the allotted time frame. However, during the interim, I'd never received a notice that the merchant had responded to my complaint nor was there any documentation uploaded to the portal of such. I asked the rep to confirm if the merchant had ever been contacted and she continued to reiterate why the complaint why closed, which said to me that the merchant had, in fact, not been contacted. 

Capital One opened a complaint on my behalf and proceeded to request documentation from me, that I in turn submitted to them. Therefore, this case became an active and ongoing dispute. So despite the time frame, the company should now fulfill an obligation that they initiated, by following through with the entire process to completion, including, contacting the merchant. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The loan servicer, OCWEN, put homeowners insurance on my mortgage even though I already had a full and sufficient policy on my property. They also included fees for appraisal, inspection and attorney fees. I filed a complaint, XXXX. OCWEN only removed the cost of insurance. I have called to no avail!

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 2017-03-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Sears City bank issued me a Sears only use card. when the balance waSXXXX i ORDERED TO CANCEL IT. XXXX CARD REFUSES TO DO SO, ACCOUNT NUMBERXXXX. THE SEARS CITY BANK CARD HAS OVER XXXX SIMILAR COMPLAINTS.THE THREATHEND TO RUIN MY CREDIT.THANK YOU. XXXX XXXX, SS # XXXX PHONE 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 2017-03-06
Company: Performance Settlement, LLC
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was with a third party consolidation company called performance XXXX who misrepresented themselves by saying they will file all the paperwork for a pay as you earn and I was under the impression that they would be my loan servicer and not XXXX that I currently have. I found out after paying them for 2 months of services that they just consolidate and that 's it. I tried to cancel their services but they state to go through loan servicer XXXX who has no record of them and either does the department of education. I believe that I have been scammed and now I have to figure out how to cancel services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son received XXXX twice with XXXX. The representative told me that it would be {$75.00} but the amount they are attempting to collect is much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Ceannate
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
After I spoke with the representative and told her that I disputed the debt, she called my consulting colleague. She spoke to me on my cell so there was no need to call anyone else. 
The previous week I told Financial Management Services Representative that I had never received a written demand for payment or description of which loan this debt addressed. I received a written bill and told her on this call that I was disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio recovery keep reporting that i per a debt from several years ago and was not contacted before putting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NARTEY LAW GROUP, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company 's response is not factual. My initial agreement ( attached ) in 2011 was with Kramer Linkie and Taylor, not XXXX XXXX and XXXX. As I stated, XXXX turned the account over to Nartey Law Group without notifying me. When my checks were retuned to me, I called XXXX and they answered the phone as Nartey Law Group. When I asked them about my account, they had no record of me or any payments. That 's when I decided I had better hire a lawyer. I then provided cancelled checks and we agreed to resume payments to XXXX, not XXXX. Then several months later, I received a letter from XXXX stating that they would garnish my account if I did not send them payments. I had never heard of XXXX. I then called XXXX and they told me the account was being handled by XXXX. I then called XXXX again and they said they had no record of me or any payments. I then called my lawyer again and we still do not have a resolution. I asked for a written confirmation from XXXX that clearly stated that my agreement was with them, not XXXX and that my payments would be properly applied and reconciled. I still do not have any confirmation, though I have continued to blindly make payments to XXXX because I do not want my account to be garnished and I do not want to incur more legal fees. I want two things : I want a copy of a written agreement transferring the account from XXXX and XXXX, and I want credit for {$1200.00} in legal fees I have incurred because of the incompetence or negligent handling of this account.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-13
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a XXXX checking account in XXXX XXXX with a promotion for XXXX XXXX XXXX miles after meeting the following requirements : 1 bill payment for 2 consecutive months and {$2000.00} in debit card purchases in 2 months. I met the requirements in XXXX XXXX and confirmed with a Citi representative that I have met the requirements and would receive the miles in my XXXX XXXX account no later than XXXX XXXX, XXXX. Per the terms of the bonus offer, Citi has up to 90 days from the statement end date that the requirement was met to deposit the miles. As of XXXX XXXX, XXXX I have not received the miles and have not been able to get an answer from Citi as to when the miles would be posted. I have contacted XXXX XXXX and confirmed that they have not received any miles from Citi. Citi has not fulfilled their end of the bonus agreement and I would like the miles deposited to my XXXX XXXX account 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 non-monetary relief
Consumer complaint received 2017-04-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX I filed a Chapt XXXX which was dismissed by the courts in XX/XX/XXXX due to a legal issue. I have worked with all XXXX credit agencies and both XXXX and XXXX have reviewed the Federal dismissal notice attached and have deleted this item except Equifax. This is causing me and my family hardship as it is affecting XXXX my son 's student loans that I am trying to help with and also blocking me from being able to choose other avenues to help them with furthering there future educational needs and costs. I was told by more than one Equifax agent that if I purchased Equifax services, then that would help me delete this negative item. The other XXXX credit agencies removed the negative item without asking for any additional payment or service. Why do I have to pay Equifax to remove something that is hurting the future of my family 's education? If they are doing this to me, I ask the CFPB to investigate how many other consumers they are trying to do this to. I am prepared to ask for a Congressional investigation if necessary and also have contacted Senator XXXX office on this subject. I am hopeful this can be resolved without involving other government agencies. The U.S government took exceptional steps to help consumers get back on their feet after the recession of XX/XX/XXXX- Example- Dodd/Frank. This action by Equifax stands in total opposition to what our regulatory commission have been working so hard to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have an auto loan with USAA. The funds are electronically transferred from my account with XXXX to USAA. This was done for the last required payment on XX/XX/2017. I received a letter in the mail from USAA on XX/XX/2017. I immediately checked with XXXX and reviewed my statements which showed the car payment had come out of my account and been transferred to USAA. I called USAA and they checked and it had not been posted to any of my other accounts. They requested XXXX fax them a copy of my statement showing the deduction from my account and the transfer form. XXXX did that the same evening, XX/XX/XXXX. I was told initially it would take XXXX business days to rectify the situation. It is now XXXX, XXXX days later and no resolution. I just got my email statement showing no resolution and that a late charge has been applied. I have had XXXX auto loans with USAA and never missed a payment. I also have a credit card and have never missed a payment. This is an in-house problem for USAA. My car payment should have been immediately credited to my account based on documentation XXXX provided, while USAA straightened out its own internal mess. I will not get an auto loan with them again based on this experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-11
Company: Midwestern Audit Services, Inc
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I am getting threatening calls for medical debts with XXXX XXXX and XXXX other medical collectors, they have wrong insurance information, I gave them correct insurance now they are rebilling Medicare as I do n't have Medicaid. All this is error on their part. I have never received a bill on medical ever as Medicare pays 100 %. Hassling and threatening calls stating I be taking to court ... harassment.

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 2017-03-30
Company: Performant Financial Corporation
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company has been constantly calling and harassing me even after asking them to stop. they call my cell phone and place of business. I have advised them to stop.

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 2017-03-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a student loan with MyFedLoan.org. I am in the XXXX and have been for almost 5 years. I 've always paid my monthly loan on time. Every year MyFedLoan requests that I submit my pay stubs so that they can calculate my monthly payments, and up until 4 months ago I and neither has MyFedLoan had an issue with my financial documentation. Now, they are telling me my paystub is invalid, illegitimate, and can not be used because it is not the same as the paystubs from the other XXXX branches. Now they have me paying a very high monthly payment that I in-fact can not make because somehow they were able to obtain my yearly income, which is very off from I 'm actually making, and thus causing the high monthly payment. I 've contacted them very many times and tried providing other types of financial documents, but they persist they can not help me or do anything about it. It is almost to the point where they wont even pick up or answer my calls. I was told my case went before a board of advisers for review, but they denied my petition. So here I am reaching out for help, desperate to get a low monthly payment and hopefully not have to worry about this. I have too many worries at work with the XXXX and this should be the least of my problems. Thank you for hearing me out and for your help. If I could I would stop using MyFedLoan service to pay my loans. Thank you once again and have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today, XX/XX/XXXX, I received in the U.S. mail my " FREE '' annual credit report from " Equifax. '' While reviewing all 46 pages very carefully I noticed that under the " Collection Agency Information '' section on page 5 of 46 pages that a so-called " Collection Agency '' by the name of " XXXX ; XXXX XXXX XXXX ; XXXX, Florida ; XXXX ; XXXX '' unlawfully posted on " XX/XX/XXXX '' onto my " Equifax credit report '' that I owed " $ XXXX '' to " XXXX '' from " XX/XX/XXXX. '' This debt is NOT mine. I am a victim of Identity Theft. And this is the 3rd time now that this " XXXX '' company has unlawfully posted this onto my " Equifax '' credit file in the last 2 consecutive years. I called up " XXXX '' and politely informed them of the facts. That I have been a customer of XXXX XXXX XXXX for over 22 consecutive years and NOT ever with XXXX The " XXXX '' customer rep. just rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
In XX/XX/XXXX I noticed 2 fraudulent inquiries on my credit report from XXXX and XXXX. I sent a certified letter to Equifax to have them removed. Equifax received that letter on XX/XX/XXXX, see attached the confirmation from Post office. I was told that they could not remove the inquiry and I should submit a dispute online. I disputed as they instructed me but still, the inquiries were not removed ( the 30 days ' deadline passed but I did n't receive any confirmation from Equifax. The dispute XXXX was submitted on XX/XX/XXXX. It shows PENDING XX/XX/XXXX ( Estimated ) ). 
I contacted XXXX and they confirmed that the inquiry was fraudulent and told me that they informed Equifax to remove it. Equifax still refuses to remove those fraudulent inquiries even knowing that XXXX has informed them regarding this matter. 
On XX/XX/XXXX I pulled my report and noticed another surprise. My good standing account from XXXX opened XX/XX/XXXX limit for XXXX $ ( I am authorized user ) disappeared from my credit report. I contacted Equifax customer service and the customer service representative lied to me saying this account never reported on Equifax which actually did till XXXX. I contacted the another representative and was told to contact the creditor to ask them report one more time. 
I did what I was instructed and creditor told me that they were still reporting and there were no issues or changes and everything was fine with XXXX and XXXX and the error was related only to Equifax. The same day I noticed that I was not able to access my Equifax account and I called Equifax one more time. I spoke with a supervisor and he suggested me that it could be related to my credit file split issue and I should contact fraud department. 
Today I called Equifax and found out that they refused to help me with restoring my account and investigating what happened to my report and my disappeared account from XXXX, the customer service representative also informed me that there were some issues accessing to my online credit report that was why I was not able to access myself. 
Then I contacted the Equifax Consumer affairs officer XXXX. She told me that she did n't understand what did mean my Equifax credit report split and there were no accounts reported from XXXX on my report. I told her that I have a confirmation number and actual reports from XX/XX/XXXX, and from XXXX XX/XX/XXXX showing the account on my report. She was surprised and asked me for the confirmation number which I provided and then she just refused to investigate and help me. 
I am attaching my ID, SSN and current bill, my credit report from XXXX dated XX/XX/XXXX, confirmation from USPS, a summary of my disputes with Equifax, my Equifax credit file dated XX/XX/XXXX.

Company response to consumer: Closed with explanation