BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had a debt with this company signed by me in XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: CA
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 a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CBNA  with no successful resolution. XXXX only  reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notice recently that My capital one credit card has been closed by the bank. I previously was going through a dispute with a furniture store called XXXX XXXX. I purchased the Mattress on this credit card but returned it and the company was giving me a hard time about my refund. All of this was communicated to Capital one as I was disputing these charges. I recently got a full refund from XXXX XXXX   which was the only transaction I had made on t he card. That said capital one has charged me late fees when in reality I shouldn't even have a balance and XXXX XXXX gave them a full refund ( statements attached ). Now I have a closed account that has negatively impacted my credit score all over charges I shouldn't have. The balance remaining on the card come from Fees and interest that I shouldn't have been charged in the first place. I've called and visited multiple branches and no one appears to be able to help me. 

I have also attached an copy of an email exchange I had with the Department on consumer affairs here in XXXX XXXX  XXXX showing that the balance was refunded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02
Company: AES/PHEAA
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I currently have student loans which where in default and entered into a rehabilitation program. For reasons I still can not understand, I was forced to perform the 10 month rehabilitation program for two times because the program did not debit a payment and stated that I allegedly did not qualify and did the process again. 

I have been repaying my student loan for a couple of years in a direct repayment program and my balance is almost the same. I also noticed that the principal amount of my student loans are as follows : XXXX   XXXX  with Owner : XXXX XXXX : PHEAA Original Balance {$25000.00} Principal Balance {$32000.00} an increase of {$7200.00} Original Balance {$30000.00} Principal Balance {$39000.00} an increase of {$8600.00} Between these two loans there there is an increase in principal of {$15000.00} and I have been paying over $ 400 monthly during the past couple of years via a direct repayment program. 

Why is the principal so high and an additional {$15000.00} and besides that is has not increased after having made a couple of years payment. 

Please assist in how to proceed, options and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: U.S. BANCORP
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: Problem with rewards from credit card

Complaint:
I've been with US Bank for several years now and I have establish a business account with them. They offered me a Cash Reward Card which I have since paid off, cut up and no longer will be using the card. However, there is {$21.00} left on the cash reward that the bank is refusing to transfer over to my checking account knowing that I will not be using the card any longer. I didn't ask for a check sent to me, i didn't ask for a gift card to be send to me, I just asked for the {$21.00} to be transferred to my account. Each representative that I speak with tells me that the minimum to withdraw rewards earrings is {$25.00} however, if a person is no longer going to use the credit card, they discarded the credit card, how will the person be able to acquire the remaining {$4.00}?? They will not be, I've the company on several occasions trying to explain my situation to them and they do not care, so I am reaching out to you to see if you can step in and assist. The amount is so minimum, it should be no problem for the company to just transfer the funds ( my money which I earned by using their credit card ) to my checking account. Please assist!

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 2016-07-20
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: GA
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:
Multiple missed payments were reported for my XXXX account across all 16 of my student loans while I was in forbearance. Ive asked XXXX to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Experian Information Solutions Inc.
State: NY
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:
A debt of {$280.00} that was paid off and closed last year was not removed from my Experian credit report when it was disputed. I would like it to be removed as it is a closed and settled account and it has been that way for over a year. I have left a message with the collection agency ( XXXX XXXX XXXX, XXXX XXXX, NY ) and have not heard back from them. This one negative item is inhibiting me from getting a mortgage and has lowered my score immensely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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 belongs to someone else

Complaint:
This is unbeleivable how do these people learn how to scam and steal people identity to open fraudulent Accounts I did not Authorized these account. this is fraud please shut down these Accounts also I would like to put a fraud alert on my files thank you

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 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been filing multiple reports with these three credit bureaus to no avail. Nothing has gotten done at all. I have an attached police report to this complaint and credit reports. There are so many items that do not belong to me on this credit report. I am tired of complaining and my next step is to file a lawsuit. 

The accounts that do not belong to me are : XXXX XXXX opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Inquiries are : XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Every single inquiry on the report except for XXXX and XXXX XXXX auto are not his.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Experian Information Solutions Inc.
State: CA
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 a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  with no successful resolution. Experian only reporting me 30 days late in XX/XX/2013. There was an error on their part. I was never 30 days late.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Freedom Mortgage Company
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing this complaint because I have been very stressed because of this issue. 
Freedom Mortgage has been reporting false and erroneous information to the credit bureaus. 

They have committed multiple violations to the California Credit Reporting Act : - Incomplete information. 
- Different reporting across bureaus. 
- Failing to investigate accounts. 

So many other violations. Please send the attached documents to Freedom Mortgage. 

Thank you so much, CFPB.

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 2016-10-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On  X/XX/17    i attempted to log on to lay my credit card bill with  capitol one.  The mobile site i use to make this monthly payment was down. The link said the mobile site was down and that i should try again shortly, upon trying again the site was still down and now i have been charged a late fee that i should not have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a victim of Identity Theft, Incident # XXXX, XXXX Police Dept. Many accounts were opened in my name fraudulently between XXXX. Due to the ID Theft I had to close by bank account a few times and also I had to get a modification. The company told me to not make any payments until the modification was complete. I would like to start an investigation on the following account : XXXX XXXX XXXX Opened : XX/XX/2011 Amt. 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 2020-03-02
Company: Experian Information Solutions Inc.
State: WV
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 a XXXX XXXX account that is being reported to all three credit bureaus and had no luck with getting accurate information published.

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 2017-10-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Information incorrect well 's fargo. I had to wait a year to refinance home they were trying to finance through them ( Well 's Fargo ) so they placed a late payment on my credit. But Well 's Fargo would only allow me to finance through them only. Forcing me to wait a year for the information the reported on my credit report. Information Attached. 
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE WELLS FARGO HOME MOR XXXX Mortgage BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE XXXX XXXX XXXX {$0.00} {$1100.00} {$0.00} XX/XX/XXXX PAYS AS AGREED {$0.00} COMMENTS - BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 XXXX XX/XX/XXXX 30 30 30

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 previously disputed several items with TransUnion and submitted proof to them in the form of a chat log from the original creditor that an item ( XXXX ) has never been late. They have failed to remove this information. I have resubmitted the dispute with the proof attached and they do not have the item even marked as in a disputed status. When I called in and asked them why it was not marked as disputed, they said they have exactly 5 days to do that. Today is 6 days since I have filed the dispute and they have not updated the information. Besides the XXXX account, there were other accounts that I submitted with proof besides XXXX that TransUnion has failed to at least mark as disputed.

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 2016-01-19
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Private student loan with Sallie Mae, the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else, how can the XXXX sit by and let these cold hearted stay in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
They cancelled my account based on I did not response to their email .The problem is they sent it to my unsecured personal email account for personal information. I thought is a fishing email so I deleted it. NO FINANCIAL INSTITUTE SEND UNSECURED MESSAGES FOR PERSONAL INFORMATION. I like to found out why they do not send the requests with secure message through my on line account. 
I have requested the closure letter at least twice, I have not received the letter yet, please have them to send to me the letter as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had paid off my XXXX card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, XXXX sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. 

I called XXXX on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. 

Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of 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