BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: Google Compare Credit Cards Inc.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was charged an overdraft fee in the amount of XXXX from Google Wallet, they took XXXX dollars out of my account on XX/XX/XXXX. Please note, this transfer was canceled the day before on XX/XX/XXXX, I was assured funds would not be withdrawn. My bank, XXXX XXXX will not refund the fee as it is not their error. Please advise Google Wallet they need to refund the fee. My email address listed on my account is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I have a $ XXXX/mo credit monitoring account at XXXX. It was setup under a free trial 6-8 months ago, but I have been unable to cancel. My membership no is XXXX. The company requires calling XXXX to request cancellation. I do that, but the message says service representatives are busy. After 30 minutes or so the line just hangs up. I have no way to cancel these charges, for a service I do n't want and never intended on using.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX 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 2015-08-08
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My payments are being applied to the interest instead of splitting it between the principal and the interest. My loan has also increased XXXX and there is no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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 just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/ 2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2020-10-02
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 information incorrect

Complaint:
On or about XX/XX/2020, I mailed a certified letter ( tracking # XXXX ) to XXXX-Card Services requesting debt validation because they are reporting on my Equifax credit report that I owe them. XXXX did not respond within 30 days, so I filed a dispute with Equifax advising them of the non-responsiveness from XXXX. Equifax ended their investigation and advised me that XXXX 'XXXX is correct and they are still reporting wrong information. Equifax 's dispute number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Experian Information Solutions 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:
ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX  XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX  : {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, Experion and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.

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 2022-05-27
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:
ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX XXXX {$3100.00} XXXX XXXX {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, XXXX and Transunion. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.

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 2017-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohl 's XXXX is calling my home number under several different numbers and the caller ID indicates it 's either " toll free '', " unknown name '' or " XXXX '' and each number is different. 

They will begin the day at XXXX XXXX. calling from a Kohl 's XXXX number XXXX. Then again on that same number @ XXXX XXXX. Then they call with " toll free call '' @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX calling from XXXX. " Toll free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX. XXXX. XXXX @ XXXX XXXX XXXX. " Toll free " @ XXXX XXXX XXXX. XXXX @ XXXX XXXX. " XXXX @ XXXX XXXX. " Toll-free '' @ XXXX XXXX XXXX. " XXXX @ XXXX XXXX XXXX. " Unknown name '' @ XXXX XXXX. XXXX. 

This has been going on for months. It begins at XXXX XXXX and does n't stop until XXXX XXXX they also use an ID " XXXX XXXX " I get mail correspondence from them. I know I owe them, but to make me get to the point that I do n't answer my own home number to ANYONE is ridiculous. Harassing me is n't going to get this bill paid any quicker. What will eventually happen is that I will get fed up by the constant calling and shut off my home number. Unfortunately, I have a XXXX XXXX XXXX mother that I have to have it for in case of an emergency because I do n't get good signal on my cell. So Kohl 's is pushing me into a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : 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 2016-04-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I brought up several issues about someone stealing my identity in my prior complaint and we are now on day 35 and nothing was done regarding the original case number. They generically replied " We believe the inquiries are factual '' without actually looking into them. 
Other credit bureaus, such as XXXX and XXXX, have addressed some of the issues I brought up. Experian simply ignored my request to investigate or remove the unauthorized, fraudulent inquiries from my account. This is severely affecting my ability to apply for credit and get approved or get a decent interest rate despite my flawless payment history. 
I also tried to follow through via phone call to Experian Customer Service earlier this month on two separate occasions. To their credit, XXXX inquiries were removed almost immediately. However, they have still not removed the other ones that were unauthorized. They have only told them XXXX company responded ( XXXX XXXX XXXX, where I was originally alerted the fraud of all cases! ) and said they would not remove the inquiry. They stated the rest are still pending, but it has been over 7 weeks since I brought up my original complaint! This should have been properly resolved at the latest over a week ago under the 30 day response period. 
I am attaching images of XXXX of the checks that the XXXX XXXX XXXX checking account fraud department addressed. It seems that no one in the credit card department actually did anything and that they do not talk to the checking account fraud department. I also have voicemails on my cell phone with people trying to scam me telling me what my social security number and address is and trying to get me to pay a non-existent debt via XXXX XXXX or I will be arrested at work.

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 2016-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed these collections several times with Experian, XXXX and XXXX and they refuse to remove the accounts off of my credit report for the account numbers XXXX, XXXX, XXXX. I have advised all bureau 's that this hospital refused to use to XXXX medicaid provided to me by the state at the time of nmy XXXX and issued these medical bills through the employer I no longer worked for as i was too ill to work and terminated my employment. These medical bills were processed fradulently and I request that they are removed immediately. Medical covered for my XXXX medicaid provided by the state of florida can be verified through the state or as requested. I am requesting all late fees and all three account be removed.

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 2022-05-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Suntrust/Truist credit card payments been set up to automatically draft from my Suntrust/Truist checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted Truist immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a Truist system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my truist as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at Truist. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since 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 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I 'm suppose to receive the Frank Dodd XXXX every year XXXX more years. 
This program includes the incentive rewards for borrowers who have received a permanent home loan modification and pay their mortgage on time every month. 
A borrower should receive annual principal reduction payments in the amount of $ XXXX contacted customer service several times and they are useless. Nobody can give me a straight answer. Last year I received the incentive reward with great difficulty, but this year nothing has been received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSWORLD SYSTEMS INC
State: DE
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: Was not notified of investigation status or results

Complaint:
Investigation took more than 30 days and haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a payment plan set up with midland credit for an old XXXX  XXXX XXXX account I had. I set up a payment plan with them they emailed me on XX/XX/XXXX stating my next payment would come out on XXXX. Instead they removed the account offline so I can not continue to make payments on it even though they agreed to that amount. They keep threatening to take me to court which is why I set up the payment plan I did. I am a single mom on limited income due to covid and they should not honor a payment plan and then try to collect the debt in a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The company is PENFED CREDIT UNION, PENTAGON FEDERAL CREDIT UNION MORTGAGE DEPARTMENT Started a refinance in the beginning of XXXX. They have made many mistakes and promises that they are trying to change after I'm vested in this process as well as insulting me for trying discuss this matter. When I got a " manager '' on the phone he said he had to get off the phone soin to go to a meeting so I only had a few minutes to talk with him. I explained that my loan officer had explained that I would receive approximately  {$700.00} towards my closing costs if I applied with them right away so I did. But when I got the documents to sign and fax back that credit was not on there. He said that it changes by the minute and I missed it. Do I asked specifically when that time was..what minute did it change. He said they dont kerp that information because things change so often. I also explained about the multiple mistakes made by loan officer and felt I deserved what she promised me. He said that " They don't throw money at their problems '' referring to me. Then he rushed me off the phone to attend a meeting.

They are asking me continually for same documents over and over because they keep extending process. Now they want to hit my credit report again and keep making excuses why they cant close this loan. Its been over 4 months since application process was started.

They took my money for an appraisal almost 3 months ago.

I want to close immediately but they keep putting it off because they say they are busy.

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