BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XX/XX/ I entered into a consumer credit transaction with SALLIE MAE BANK for an extension of credit in the amount of {$10000.00}. I received adverse action in a notice dated XX/XX/ informing me of this decision. After careful review, I believe that this denial is in violation of the Equal Credit Opportunity Act. As my application ( secured collateral ) was received. I certified mail sallie mae bank a counteroffer letter dated XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I mailed a pay off for my loan on XX/XX/XXXX with Bank Of America ( B.A.C ). I checked my checking account on XX/XX/XXXX and the check had not cleared. I again checked my account on XX/XX/XXXX and the check had not cleared. I then called B.A.C. number on my loan statement and got the XXXX office. The lady there asked where I sent it, I told her whatever is on my statement. She stated that is XXXX office. I suggested she call them and she stated they are not allowed. She suggested I call back on the XX/XX/XXXX if had not cleared. On the XX/XX/XXXX I called back because it had not cleared and authorized her to withdraw it from my account. After she did, I asked her to let XXXX to know and she stated again ( this is a different lady then first time ) that they are not allowed to contact them. She stated that since it is paid off they will not process and will tear it up. On XX/XX/XXXX, I checked my bank account at XXXX XXXX, and was shocked that the check to B.A.C. had cleared. I immediately called B.A.C. and this time was connected to South Carolina and they said that they were not allowed to call XXXX and nothing they could do but would refund the money by sending a check on XX/XX/XXXX. I immediately went to XXXX XXXX, to have them to return the check and showed them I had paid B.A.C on XX/XX/XXXX by direct withdraw. The new accounts person said she couldn't do anything. I mentioned to her under Federal Reserve operating Letters they have 24 hours to return a check. She asked the Manager and he told her that XXXX XXXX is if posted they could not reverse it. My wife and I are both retired and this type of arrogance and lack of following the law is what I thought was your purpose.

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( Experian ) is reporting a payment versus the other bureau ( XXXX ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.

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 2022-11-26
Company: Experian Information Solutions 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:
XXXX XXXX : I have sent multiple letters to each XXXX XXXX XXXX, ( XXXX, Experian, & XXXX ) asking them to verify that my report is correct. They have updated my accounts improperly as of XXXX. I have done a thorough investigation of my own and found that my credit reports are still showing inaccuracies. 

In accordance with the Fair Credit Reporting act. The list of agencies and accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

[ LIST OF ACCOUNTS ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$10000.00} ) VIOLATIONS : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681 SECTION 602 A. States that I have the right to privacy.

15 U.S.C. 1681 SECTION 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

CFR. 1006.18 ( C ) ( 2 ) False, deceptive, or misleading representations mean. A debt collector must not : Communicate or threaten to communicate to any person credit information that the debt collector knows or should know is false, including the failure to communicate that a disputed debt is disputed. 

XXXX XXXX XXXX XXXX XXXX is illegally reporting on my credit report. XXXX XXXX XXXX XXXX has failed to report this account as disputed since XX/XX/XXXX. This is also a medical account with XXXX privacy laws. 

XXXX, EXPERIAN, and XXXX have failed to complete proper investigations after several requests for corrections to be made. Each agency is improperly using my information and violating my rights to privacy and confidentiality. 

I have included copies of credit reports to show these violations. I have also included copies of letters requesting that these companies correct the inaccuracies and improper use.

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 2020-09-30
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are trying to remove PMI and have satisfied the terms of the mortgage agreement. 

The date the principal balance actually reaches 80 % of the original value of the property, based solely on your actual loan payments. We are past that point now and New Rez ( lender ) refuses to remove PMI.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently changed my direct deposit information with my job putting in my last three numbers of my account number incorrectly causing my check to go the the wrong account. The account number that was put in ending in XXXX when my correct account number ends withXXXX. I contacted the bank to discuss this matter. I was told there was nothing I could do because the member that the money was sent to had already use the funds. As a result of that, they had to wait for him to send the money back to them in order to credit my account. It is unfair to me because I work hard for my money and the name on the account should have been checked despite the account number being incorrect. This is unethical and unprofessional. Things like this show customers that they are not entitled to mistakes. I think that this is also theft from the Navy Federal member knowing that the funds were not his.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AssetCare , LLC is attempting to collect a debt that does not belong to me. They sent me the attached notice of debt on XX/XX/2021. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from AssetCare , LLC. As far as I know, this has not been reported to any of the credit bureaus but I'd like them to cease all collection efforts and assure me that this will not be reported to the credit bureaus as this alleged debt does not belong to me. I am requesting legal action to terminate this account immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I reported a possible purchase fraud ( Actually it was my purchase ) for {$1700.00}. After Citi bank finished fraud investigation, Citi bank posted double charges to me. I contacted Citi bank many times and also vendor ( XXXX ). The vendor told me only charged once but Citi bank declined investigation with the reason of the post date beyond 60 days. When I claimed duplicated charge at early XX/XX/2019, it was already beyond 60 days ( initially posted on XX/XX/2019 ). But Citi bank still asked me to offer further information. I provided all information during XXXX and XX/XX/2019 period. But Citi bank sent me a letter on XX/XX/2019 to say it was beyond 60 days. The vendor sent me email letter on XX/XX/2019 to say only charged once and ask me to let my bank to file duplicate charge. I contacted Citi bank many times and each time representative always let me wait 7 to 10 business days. 
My XXXX credit statement only posted single charge. But XXXX statement became double charges. Citi bank representative understood the problem but told me the decision depends on investigator. So that it becomes call-wait-call-wait.

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 2022-12-20
Company: Maximus Education, LLC dba Aidvantage
State: FL
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:
I paid off my student loan balance in XXXX of XXXX while still under XXXX. Today I received a bill stating I still owe {$10000.00} with a payment due in XX/XX/XXXX. I have emails and documents supporting I paid all my loans. Initially, I received a statement with Aid Advantage when they took over that my balance was XXXX. Now, I look and they have retroactively gone back to reverse a payment of {$10000.00} with a date of XXXX of XXXX. I never made a payment in that exact amount. How can they so called reverse a payment historically? This is inaccurate. I was afraid something like this might happen when the new loan servicer took over, which is why I made every effort to paid off all my loans before it happened. I did successfully do this in XXXX of XXXX while still under XXXX. Please help me in investigating this. They have erased all previous documents on my account, but I can produce a transaction spreadsheet of all my payments for the life of the loans. I do not trust they will remedy this situation without reinforcement from your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX I submitted a dispute with Transunion to remove XXXX XXXX  XXXX past due balance of XXXX Dispute number XXXX which is incorrect information but Transunion verified it as account with the results on XXXX. I have submitted another dispute today XXXX to take this off my credit report.

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 2023-04-20
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Experian Information Solutions 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:
I have provided proof and I have informed Experian many times my only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX, Florida XXXX. My only place of employment is XXXX XXXX XXXXXXXX XXXX. There is no debate, there is no investigation necessary. Retaining incorrect information after I have repeatedly requested the correction is a Violation of the Fair Credit Reporting Act. I believe this is grounds for a law suit. There are three violations just in my Personal Information.

15 U.S. Code 1681i : Procedure in case of disputed accuracy ( 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 ( i ) promptly delete that item of information from the file of the consumer

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 2023-10-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2019-02-20
Company: CITIBANK, N.A.
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:
*The XXXX XXXX XXXX Account of XX/XX/XXXX was paid in full ... by XX/XX/XXXX and charged off ... and do not owe the company anymore ... 
*The XXXX XXXX XXXX of {$390.00} was charged off and do not owe the company anymore ... 
*The XXXX XXXX Credit Card was Charged of in XX/XX/XXXX- {$840.00} and do not owe the company anymore ... 
*The XXXX XXXX XXXX Credit Card is current and in good standing *The XXXX XXXX Account of {$8200.00} was charged off and I do not owe the company anymore ... 
The Company of XXXX XXXX of {$550.00} was never owed anything on any agreement and I contest owing this recovery company anything ...

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-04-19
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My cashapp  account name is ( $ XXXX ) My name is XXXX XXXX. 
My husband name is XXXX XXXX. 

On XX/XX/2023, My husband cashapped me {$5000.00} at XXXXXXXX XXXX I then went to cash the money from cashapp  to my husband 's debit card which I had linked to my account. I cashed out {$5000.00} with a {$75.00} fee to use cashapp  services. So a total of {$4900.00} was to be on my card at XXXX XXXX 

Cashapp  says that the transaction was successful. 

My husband 's bank states that the transaction was declined, because they don't accept anything over {$3500.00} through cashapp.

I have an email from my husband 's bank declining the payment. And a statement from cashapp stating that it did go to my bank.

As of right now, My money is neither in my husband 's account, or on my cashapp. So i don't know where my money is but both parties say that they do not have any holds on my funds. I need help to obtain my money.

Company response to consumer: Closed with explanation