BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In late XXXX we signed up for XXXX auto pay program. We checked the website and it stated account was indeed on auto pay. We later learned we were not on auto pay, they failed to process our request. The representative I spoke to said she saw our request ; " it just didnt process ''. She instructed us to make a payment ASAP, which we did ( we later learned we should have paid XXXX payments ). This error caused XXXX late payments, the XXXX and XXXX due to their telling us to pay only XXXX payment. XXXX reported negative info to the credit bureaus. 
In XXXX of XXXX we checked our credit report and noticed they negative reporting. We wrote a letter to XXXX asking for the negative information to be removed. To support this we added auto pay again, to assure timely payments. The auto pay program was confirmed. However, based on the past, we watched our account for the deduction. When the payment was not pulled, we made an online payment. Later, they finally got around to taking the payment. XXXX XXXX received our letter asking for the information to be removed and they refused. I appealed that decision, they declined again. I called the executive offices of XXXX XXXX and they refused as well after reviewing the file. XXXX XXXX claims that any change of credit reporting is subject to rules set by their portfolio manager XXXX XXXX. Their decision was based on not having enough web footprints proving my story. They found some activity confirming me story, but, not enough. They made XXXX mistakes causing this problem. I have to pay late charges and fees. On top of it all, they ruin my credit report on a {$200.00} balance. My new mortgage is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Apex Funding Group, Inc.
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I have been trying to re-finance my mortgage in order to get cash out for remodeling the house. For some reason when they did the title search a 2nd mortgage came up that I know nothing about. I have never received a bill or any notice from them saying that I owe this and I have no idea how it ever got attached to my property and have never had any communication with them. There is nothing in my current loan documents that show that I ever took this loan out. Please see the attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: EQUIFAX, INC.
State: NC
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:
DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.

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 2017-03-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In checking my credit report, there is a collections report from an collection agency representing XXXX. It says I owe money to them for services rendered XXXX XXXX, 2016 for the amount of {$470.00}. While I did receive services from XXXX, I also had insurance that was never sent a claim from XXXX, and a XXXX my secondary insurance that never received a claim from XXXX. Now this collections agency is showing up on my credit report. I do n't appreciate it being there. What can I do?

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 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I sent out inquiry removal letters via certified mail to Transunion for unauthorized inquiries on my report. In my letter, it states that I've contacted both Transunion and the creditors. The creditors have no proof that I authorized these inquiries or have verbal proof that I gave permission of these inquiries. 

The letter stated that according to 604 of the fair credit reporting act permissible purposes of Consumer Reports 15 U.S. code 1681B in general. Subject to subsection E, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. code 1681 paragraph 5 treatment of inaccurate or unverifiable information ( a ) in general. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete. 

Transunion then sent me a letter on XX/XX/XXXX stating that these inquiries do not need my verbal or written consent to be on my report. 

Last 4 digits of SS # : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have a XXXX investment account, which includes a cash account that is managed by BNY Mellon ( we are told ). We were contacted by their fraud department due to some odd charges on our XXXX debit card. We called, confirmed that the charges were n't ours ( XXXX and some prison phone service - neither of which have we ever used ), and asked to have the card shut down as soon as we got some cash out. The card was not shut down, and five days later there were more charges. We contacted the bank, and were told by supervisor XXXX XXXX that all of the charges would be reversed, and that we 'd receive confirmation in 10 days. We then received a letter stating that BNY Mellon is denying the claim, and giving a number to call. I called, and the person there said " Maybe you should write them ...? ". 

This is a XXXX card with an advertised 0 % liability, and we 're out over {$500.00} - that makes no sense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Around XX/XX/2022 I received XXXX Cash App cards in the mail all registered under my name and address. Each card has it own account number. I have never signed up for anything thru Cash App. Contacted them to report the cards as fraudulent back in XXXX and requested that any online accounts associated with these cards or online accounts needed to be flagged as fraudulent and closed. They issued a case number and I sent in required information to them they required..I have called several times and they will not respond to my requests of updates on closure of accounts and several emails for response that go unanswered as to status on case number. It's been 3 months now and no resolution to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened both a checking and a savings account with Citizens Bank at their XXXX location, XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX. XXXX XXXX opened the accounts, branch phone is XXXX. I made the required deposits exactly as stated on the offer to receive a bonus of {$600.00}. I did receive a bonus on XX/XX/XXXX for my checking account, but not on my savings. I patiently waited until XXXX to inquire as to why the bonus was not paid on my savings account. XXXX checked and was told it's because I didn't make a {$200.00} deposit in XXXX. That's true, because I'd already fulfilled the requirement of a {$200.00} deposit for XXXX consecutive months ( XXXX, XXXX, XXXX ). My current balance is over {$600.00}. XXXX then escalated my inquiry ( case # XXXX ) to a XXXX XXXX. When I called XXXX on XX/XX/XXXX, she stated that she can't help me and I need to wait for XXXX to call me. I'm being ignored now with no one calling me, the bank is not honoring their promise to me. I called the branch again on XX/XX/XXXX. XXXX was on vacation, I was told a banker would call me back, no one did. It's now XX/XX/XXXX and obvious that no one plans to do what's right and pay me. I want my promised bonus. I'm attaching the promo card I received and followed to the letter. 
Thanks for looking into this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan was bought by caliber hone loans. This is a company I inquired about a loan but decided not to do business with. They bought my home loan from my bank. I have no idea how or where to pay. There is Zero customer service and its impossible to talk to a human. This is terrible. One, I demand they sell my loan elsewhere where I can at a minimum talk to a human and know how/where to even make a payment. I dislike this company so much that I might sell my home, even at a loss, to get away from. How can you buy a loan, give no information on how to pay, and have no human you can talk to. Even if this is straightened out, they no ability to talk to anyone if there is a problem or even a question

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been called Incessantly by Citi-Financial and its subsidiaries for Years ( since 2010 ), they have called my Mother, Grandmother and Step-Father and discussed amounts and debt type with them. This is unethical and Embarrassing. I have spoken to others that have had the same thing happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: EQUIFAX, INC.
State: MD
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:
There is a hard inquiry on my credit report from XX/XX/2019. While we were going to use XXXX XXXX we couldn't/did n't in the end. I don't want their hard inquiry sitting on my credit report for two years since I didn't even use their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX confirmed that a collections amount was placed on my credit report for energy charges that were accrued after I had vacated the unit. I had given XXXX XXXX XXXX advanced notice that my lease and energy commitments would be terminated effective XX/XX/15, and they confirmed that information would be noted on my account. 

However, I have just had a conversation with both XXXX XXXX XXXX and the collections agency in which they report that they have no file of me contacting XXXX XXXX XXXX to end my energy bill. 

I dispute that I am liable for any of the charges claimed, and am seeking a complete removal of this collections from my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have 2 secured credit cards from Capital One in which one has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. However upon reading the terms of the card, capital one offers the cards to be upgraded to a non secured card and your security deposit returned back to you ( please see attached ). I have had the one account longer than 10 months. I pay on-time, never had missed a payment, and always pay the balance in full monthly. I contacted customer care onXX/XX/XXXXand was advised my accounts are not eligible to unsecured. The rep said capital one does not offer any type of secured card to graduate. Every interaction i have with customer service is always misleading, or misinformation given. I dont think the reps are properly trained to be made aware of products and services capital one offers. For having 2 accounts and being a customer almost 2 years with excellent pay history, i am actually appalled by their disposition in the manner of the service that i receive. In the attachment, I have highlighted the key factor of my complaint in yellow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: TX
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:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against XXXX & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted Experian : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax uses non-US phone rooms to gather data on people and is unable to tell me how I am to file criminal charges against one of their employees stealing my data when that employee is in XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: CA
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:
Im having an issue with Citi Bank credit card. My credit reports are reporting negative because the payment did not process for multiple months through their system correctly. I dont know what happened. 
I paid my Citibank card in full and closed the card through the phone in XX/XX/XXXX. This 1st associate confirmed with me on the phone that it was paid in full and my card and account were closed that day. 
However, on XX/XX/XXXX Citibank called me again and a 2nd associate told me that I didn't pay my card yet and that it was still open. I told her that 1 month ago, I gave the 1st associate my bank account information to process the payment in order to pay the credit card in full and to close it. I told this 2nd associate that the 1st associate confirmed with me that it was paid in full and on time. The card was then closed. I was confused but this 2nd associate telling me she couldn't do anything about fixing it or removing this processing error on their side. I was upset because this 2nd associate said it was not paid so I had to go through the payment process again. According to Citi Bank, it was finally paid in full and the card and account were closed. However, it is counting as a few late payments because the payment processing didnt work. I have attached my bank information showing XX/XX/XXXX was the last payment for this card of {$80.00}. I have also attached my credit report. The credit report doesnt make sense because it says I was late XX/XX/XXXX+ XX/XX/XXXX+ XX/XX/XXXX+XX/XX/XXXX. How can I be late? I paid this credit card off again the second time on XX/XX/XXXX? There are no payments to Citi Bank from my bank accounts over any of the those months.

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