BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-06
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:
Hi! I am needing help removing my bankruptsy from my equafax and XXXX  report. pls pls help due to me having XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This involves Statebridge Company LLC, located in Colorado. My mortgage was sold to this sorry excuse of a company in XX/XX/2017. It is a conventional mortgage with a 5 % interest rate. My payment has always been {$390.00} and I pay my own taxes and insurance. In XX/XX/2017, Statebridge, for some unknown reason decided to pay my property taxes, and as this was unknown to me, I went to pay my taxes in XX/XX/XXXX. After finding out that they had been paid by the company, I immediately called and got nowhere. I called an additional 11 times and never spoke to the same person, until I spoke to a Mr XXXX who couldn't figure out what happened or why. This went on with telephone tag for about 2 months. When I finally reached him, he said all I should have to do is return the amount of money that they had paid for my taxes, which I did the very same day, I will send a copy of the check. I gave them a few days in order for the check to reach them and I called back to see if everything was squared away. No, they haven't even posted the check and argued with me that they hadn't gotten it. My bank verified that it was sent and cashed, so I was not very happy. All this time they are taking escrow money out of my regular payment, making it look short and charging me late fees every month. I was done with Mr XXXX and asked to speak to someone over him. I ended up with a Ms XXXX and after about 6 weeks she came back with this brilliant plan in which I had to pay {$100.00} in order to clear up the escrow mess that they created. By this time I was so disgusted I asked if this would clear everything up and if it would I would send it out right away. I called back the next day to find the correct address to mail it to and I ended up with Mr XXXX, oh happy day, not. Now he tells me that I have to also send in every late fee that they have added to my account. ( Please remember this is their mistake in the first place ) All this time I am still sending in my regular payment of {$390.00} but they wanted {$510.00} because they were still taking escrow out, can you believe this? Also, to add insult to injury, they contacted the credit bureaus, all 3 and reported my account delinquent. This dropped my credit score from XXXX to XXXX. Now I am enraged and let Ms XXXX know that I was enraged. After that, she refused my calls and my emails. I applied with XXXX for a refinance and because of what they had done to my credit, I had a very hard time, but it finally went through but these derogatory remarks remain on my credit reports. One of them has deleted Statebridge from my report, I think it was XXXX, after I filed a dispute. I filed disputes with the other 2 also, but they haven't removed the delinquent marks from their reports. Can anything be done about this corrupt company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Good morning, first of all receive cordial greetings. 
On XX/XX/XXXX make an online deposit through the Bank of America application, it was a deposit in check, that check arrived at my mail sent by a person who had informed me that it would arrive that check as payment of one service to XXXX XXXX XXXX, who was distant and at her request the check would come out in my name and after releasing the check would give her her money. I made the deposit in the amount of XXXX on XXXX  and I could see that the check was released on XXXX, but I even told the person that their money would be released later. On XXXX I proceed to give him the money through XXXX  make two payments in the amount of {$3400.00} remaining pending to transfer {$500.00}. Check my movements in previous days and on XX/XX/XXXX I notice that the check was reversed because it is not good, according to the bank 's explanation. I called the bank that XXXX  and they could only tell me that they released the check because I had availability at the bank. Which makes me presume that it is not a measure to protect the user, try to contact the emissaries of the check but my XXXX is bad and it is also difficult for me to understand in XXXX, which is why it makes me address you ; I do not know if I should make a legal complaint to the people who sent me a message to tell me if I got the check, to the friend who no longer gives me an answer and to the foundation who issues the check for that amount and in a certain way is doing that type of activities

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: EQUIFAX, INC.
State: AL
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 have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: Meridian Financial Services, Inc.
State: NC
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 contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to Meridian in XXXX. 

Meridian now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX XXXX  that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that Meridian received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new 7 year period of reporting. This account has already been reported for 4 years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted Meridian and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted XXXX and filed 3 disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. XXXX said that the information will remain the same each investigation took a matter of 24-48 hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided XXXX with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at 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 2022-02-06
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have went on Experian once a month for the past XXXX months explaining the old addresses on my credit report. I have not lived at some of these addresses for over 10 years and have constantly asked to take them off. They continue to update and leave FIVE or more addresses that I no longer live.

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 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My XXXX year old daughter is a co signer on my checking account with Capital one On XX/XX/2002 she ordered product from a vendor XXXX XXXXXXXX XXXX  email XXXX payment of {$1500.00} was made for merchandise for her stacked clothing line she was starting through company XXXX Mr XXXX never sent the merchant refuse to communicate with my daughter she disputed charge with capital one back who told her they could not help since payment was sent thru XXXX who have not responded to us regarding the money. 
Capital has reversed provisional credit and wants my daughter to pay this back this was her entire savings she in a XXXX at the XXXX XXXX XXXXXXXX This in wrong XXXX and Capital one Bank are both ripping of this child who is totally devasted by this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Ingo Money, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
Ingo completed and approved my check threw my XXXX  card app and has tried multiple times to fund my account and XXXX  hasn't giving me the funds for the voided check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Equifax mishandled my information which puts me at risk of identity theft. This is unacceptable since I never in the first place had the chance to deny Equifax to even have my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
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:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX have violated my rights. 

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

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 2022-02-06
Company: Experian Information Solutions Inc.
State: PA
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:
his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I paid {$1200.00} on XX/XX/XXXX as a full payment on my capitol one card. On XX/XX/XXXX, someone made an XXXX  payment from a debit card I gave my XXXX to pay her XXXX XXXX XXXX XXXX. That card never has had more than {$58.00} on it and you can see she buys books at XXXX with the money. This XXXX transfer into my account was for {$410.00} which was IMPOSSIBLE since neither one of us has the other 's bank card. I just have her last XXXX digits. Since then, I have charged {$100.00} on that card but they have returned the {$41000.00} as a debit on my card for a purchase I never made. When I call no one can explain what happened. When I look up problems with Capital one, apparently their website was miscalculating cards. Every payment I have made on my credit cards have ALWAYS been made from my bank account ending in XXXX, NOT from a child 's card ending in XXXX. No one at the company can explain nor will they take back the charge I never made. Please help This is a copy of the blog I sent you yesterday and don't see it listed. This is the email I got. 

Capital One logo Your payment wasn't completed. 


Re : Your account ending in XXXX XXXX, We were unable to complete your recent transaction because there wasn't enough money available in your account to cover the payment. 

Amount : {$410.00} From : XXXX, XXXX XXXX XXXX : XX/XX/2022 To view your balance or transfer money, sign in to your account. 

Thanks for being a Capital One customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have a Fedloan that I began to pay on as of XX/XX/2016. The payments are never decreasing. I originally took the loan out for {$27000.00} and it then totaled {$50000.00} due to interest which is absolutely crazy and they never told me it would come out to that much interest. Secondly, I am in this Public Service Loan Forgiveness Program which after 120 qualifying payments they are to forgive the rest. Well, every time I make payments and ask they never go towards the qualifying payment but yet never have an answer of what QUALIFIES for the payments. And the topping on the cake is that lately for the past three months, they have been cashing the checks with all the wrong amounts. The payment is XXXX. This past month they only cashed the check for XXXX dollars when the check was written for XXXX dollars and it was written in three areas. They then charged me a late fee because they stated that I only sent the check for XXXX which I have the check in my bank statement for XXXX. They charged me XXXX after and stated I was late. The month before that they cashed a check for XXXX luckily I had enough in my account for that when the check clearly stated XXXX I called them multiple times on this matter also and they have no response just that they messed up but surprisingly I still owe the money like its my fault. Then the previous month before that I used my debit account well AFTER the payment was late they notified me a week later that the payment never went threw even though I wasn't late on the payment and they never told me the payment never went threw. I am very dissatisfied. The people working there never know anything, it is so frustrating meanwhile, I am the ONLY one probably paying these loans and they give me a hard time. Please tell me you can do something for me because what they are doing is wrong! And I need someone to get this right! Thank you. Please email me back at XXXX or call me at XXXX XXXX XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. 

15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

Company response to consumer: Closed with explanation