BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid XXXX XXXX group on XX/XX/XXXX for a medical debt of XXXX ( give or take a few dollar/change ). They informed in at that time as soon as transaction as done they would inform the credit bureau to remove it from my credit report. I paid for my credit report days later which showed debt solutions as the company holding the medical debt not XXXX I then called debt solutions who stated they held the debt and I need to pay them in full. I requested the original bill explained I paid it off with another company. They gave me an email to send a validation letter to confirm so they could dispute payment. I spoke again to XXXX XXXX  on XX/XX/XXXX requested a validation letter informed them another company stated they owned the debt and was also demanding payment. Was sent validation letter on XX/XX/XXXX. Emailed letter to debt solution, called to confirm they received letter so they could remove debt as it was paid. They stated they had to send letter to yet another debt agency XXXX XXXX XXXX XXXX to confirm letter was valid and ask if they wanted them to remove the debt from my credit report. This is three companies claiming my medical debt when its been paid to one. I have the letter proving its been paid. Attached will be the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have originally opened up a short sale file on the property for loan #  XXXX  on  XXXX / XXXX / XXXX . After numerous delays, we finally received approval on  XXXX / XXXX / XXXX . However, the offer had to be revised due to an appraisal issue. It is currently  XXXX / XXXX / XXXX  and  Wells Fargo  still has not offered us a revised approval/ decision quoting ongoing variance. Taking over 4 months for the new review has jeopardized this deal, and it should not take longer than getting the initial review!

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 2021-10-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I submitted a validation letter to Experian and XXXX XX/XX/2021 asking for confirmation IN WRITING that the debt is mine. It is now XX/XX/XXXX and I have yet to receive validation.

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 2015-08-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi I recently applied to the XXXX program after the new laws were made. I previously had a FFLEP loan so I refinanced to a direct loan and completed the new XXXX program. I applied in XXXX and many months later I finally found out by calling them that they had sent me several letters regarding my loan status. The only problem is that nothing was actually mailed to me but the letters had been posted to my new account at Fed Loans which I did not know I had and had no access to. I have sent several emails asking for information as to the status of my XXXX application. Each time it has taken several months for a response. The last correspondence I received from them stated XXXX of the XXXX jobs I submitted ( which cover a 2 year period ) were approved but I was not given any credits for the payments made during that 2 year period. I sent them another email to inquire why I did not receive any credit for those payments this is what they said : " The Department of Education regulations require us to have an end date on all forms. On the XXXX XXXX XXXX XXXX ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ), we use the date your employer signed your form ( if you are still employed ) as the end date. Payments made after this date may qualify for XXXX XXXX XXXX XXXX ( XXXX ) ; however, will not show on your tracker until the next time you recertify your employment. '' ONLY THE PAYMENT AFTER I AM ACCEPTED TO THE PROGRAM WILL BE CREDITED. 

Isn't it the main point to the new law past payment will able to be counted. Why would Fedloan be unaware of this. Any help you can provide would be appreciated. thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX, has 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 an 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 2016-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a package to Capital One for foreclosure alternatives on XXXX/XXXX/2016 and continued to fax documents that were being requested. At several times, my file was in review and on XXXX/XXXX/2016 I was asked to re-fax certain documents that they claim were not received. I faxed those documents that same day and today when following up, I am informed that my file has been closed and they will not review me for another modification and will be proceeding with the sale in 13 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SYNCHRONY FINANCIAL
State: NJ
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:
AFTER REPEATED ATTEMPTS TO REACH SYNCHRONY FINANCIAL AT THE ADDRESS LISTED ON MY CONSUMER REPORT TO DISPUTE A INQUIRY THAT I HAVE NO KNOWLEDGE OF, AND HAVE NOT GIVEN THIS COMPANY ANY CONSENT OR PERMISSION TO ACCESS MY CONSUMER FILE. THIS IS A VIOLATION OF FCRA section 604 (A)(3)

UPON MAILING MY DISPUTE TO THE ADDRESS LISTED ON MY CONSUMER REPORT MY DISPUTE WAS RETURNED BY THE U. S. POSTAL SERVICE DUE TO THE FACT THE COMPANY DOES NOT DO BUSINESS AT THE ADDRESS LISTED ON MY CONSUMER REPORT.

ATTACHED IN THIS FILING YOU WILL SEE THE ADDRESS LISTED ON MY CONSUMER REPORT AND WELL AS THE RETURN TO SENDER FROM THE U S POSTAL SERVICE SAYING THIS ADDRESS XXXX XXXX XXXX XXXX XXXX  OH XXXX  IS NOT IN USE BY SYNCHRONY FINANCIAL.
THIS IS A DEFINITE VIOLATION 15 U.S.C.  1681s-2

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 2019-12-01
Company: U.S. BANCORP
State: NJ
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:
Received credit card checks with promotional rate of 0 % until XX/XX/XXXX. 
I used the check in the amount of {$20000.00} on XX/XX/XXXX. And on the first statement they are charging the promotion fee of 1.99 % plus their usual 29.9 % apr interest. 
This is wrong. False advertising. 
I called the Elan Credit Cards. And they said they can not do anything about it and that I have to pay the interest they are charging.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My TransUnion score is XXXX. My XXXX  score is XXXX. Last check XXXX   went up 5 points, TransUnion went down 46 points. Why? There is nothing listed to show such a sharp decline.

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 2022-04-11
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # XXXX, has 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/XXXX I tried to deposit a check through the HSBC mobile app on my cellphone. I received a message that it was unable to process my request. I went directly to my local branch and I deposited the actual check. On XXXX/XXXX/XXXX I received a debit from my checking account basically noting an error occurred for a duplicate check deposit. ( Apparently the mobile check was processed ). On XXXX/XXXX/XXXX HSBC corrected the error and debited my account to correct the error. Now, here occurs the problem, on XXXX/XXXX/XXXX I received another message/debit stating the same error message I received back on XXXX/XXXX/XXXX referencing the duplicate check from XXXX/XXXX/XXXX was deposited twice and HSBC was debiting my account to correct the error. This error had already been corrected so I stopped in to the XXXX NY HSBC branch. A representative by the name of XXXX pulled up my account and said she did not see the error. She explained I must have shaken the phone to have made the duplicate deposit. I tried to explain the backstory, she did not listen and tried to say it was a User error. I tried to show her the transaction on my phone and point out the discrepancy but she simply said her computer did not reflect any errors. She said when she went to her " home '' branch on Monday she would look into further. XXXX/XXXX/XXXX Monday I received a call from XXXX saying she saw no discrepancies on her end. I asked to speak to her supervisor and she said she was the supervisor. I told her this is unacceptable becaus it clearly shows XXXX debits from my account. I went on to try and explain that only XXXX debit was needed to fix the error. We went back and fourth and finally I told her I would escalate this through corporate. I was not getting any assistance from her. I called HSBC XXXX and was told by the represenative on the phone she could see the error and she would process the request to have it resolved. However, based on the correspondence with " XXXX '' the XXXX NY branch service manager I would like to have this escalated to ensure it is properly corrected in a timely time frame. The contact I have for XXXX is XXXX. I feel it is necessary to point out that XXXX was very rude and condescending. I will be looking into switching banks based on her poor customer service and Unprofessional attitude in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
The following companies are recklessly failing to follow reasonable procedures XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I have been asking for following account to be remove my credit do to false reporting and also the have not provided me with the model notice XXXX or XXXX form the creditors, this is required by the FCRA 623 ( a ) ( 7 ).

This is not a verification request, please remove these accounts. This is the third and final request.

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 2019-11-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of fraud in my checking and savings account, I realized the following week, I went to the bank to make the claim, they closed the account and opened a new one, they did their investigations and they returned all my money that was extracted, After 3 months they are calling me from a Hunter Warfield company, I explained that I was a victim of fraud and that I will not pay a debt that I have not made, today I realized that they placed my debt in XXXX, they are damaging my credit, I do not understand how they can harm me without doing an investigation, they can go to the bank and verify that I was a victim of fraud, I want to try to solve this problem that will affect my credit

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 2022-04-11
Company: EQUIFAX, INC.
State: NC
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 XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has 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 2015-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX XXXX to learn how you can request your free XXXX credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with XXXX who said the site should allow me access to obtain my free credit report. I live in XXXX, am a XXXX citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no XXXX mail service in XXXX. We are moving back to XXXX in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a SECURED credit card with Citi bank. Upon receiving the card I activated it. I tried to add the card to my XXXX and I was told I needed to verify my account. I called in to verify and since my phone number did n't match my account, they said they could do nothing for me. I called several different representatives to finally get the option to fax in my personal information ( id, social security card, and proof of address. ) I did so. I called to check on the status of my account and they said my paper work was not accepted. I sent in everything they asked, why was it denied? I came to the conclusion I wanted to cancel the card. They will not allow me to do so. I 've had the account since XXXX XXXX, I 've called OVER 40 TIMES. I have yet to have my issue resolved and they still have my {$200.00} deposit and will not let me close my account. I even went into my local Citi branch to verify but, they told me I could not do that there. Please help me, I just want to close my account so I can build my credit elsewhere.

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 2018-01-07
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: Account information incorrect

Complaint:
XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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 2015-07-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EXPERIANXXXX XXXX XXXXSTATUS SHOWING SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS UNPAID BALANCE ( SHOULD BE CHAPTER XXXX BANKRUPTCY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Success! 
Your report was submitted to the FTC. If you provided an email address we will send you a copy of your reference number : XXXX address not mine XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine : XXXX XXXX office of the atty gener oag child su XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation