BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-04-17
Company: EQUIFAX, 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:
I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THERE ARE THINGS LISTED ON MY CREDIT REPORT THAT I HAVE NO IDEA WHAT THAT ARE AND IT IS COSTING ME NEGATIVE FEEDBACK, AS WELL AS CLOSED ACCOUNTS AND A PREVIOUS BANKRUPTCY 7 PLUS YEARS OLD STILL BEING DISPLAYED UNDER DEROGATORY. XX/XX/2023 {$150.00}, XXXX 2023 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
Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MO
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 the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 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 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows Or has reasonable cause to believe that the information is inaccurate

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 2023-04-27
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Apple card closed my account for no reason at all. I have never been late or missed a payment. Their said I violated the user agreement but refused to tell me specifically what I violated. This is not fair to me. I want my account reinstated. When I called them they would not tell me what I violated and never returned my phone call like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collections agency United Collections Bureau located in XXXX, OH attempted to collect a debt I didnt recognize. They sent paperwork to me on XX/XX/2021 and I sent them a debt verification letter on XX/XX/2021. They validated the debt on XX/XX/2021 and sent me the paperwork. I did not receive the paperwork until XX/XX/2021. This is a violation of my rights under the FCRA and I sent a follow-up dispute letter. The debt validation was not valid since it lacked the original contact from the creditor XXXX XXXX XXXX. I also realized that they provided no proof that I had to pay their collections agency. For some reason the representative XXXX XXXX also misread the dispute letter I send and assumed I did not want to be contacted by mail. This was not true and I received a letter claiming this when I sent my last dispute letter on XX/XX/2021. I specifically said they needed to close my debt file if they could not prove that they own the debt in question let alone have the right to collect it. I will attach the documentation I have.

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 2017-01-20
Company: Navient Solutions, LLC.
State: PA
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:
My loans are serviced by XXXX, then known as Sallie Mae. One of my loans was an unsubsidized Stafford loan that was transferred to another lender in 2009. I only received notice that the loan had been sold after I had already submitted a payment, but the payment had not yet been processed. I inquired with Sallie Mae/XXXX whether that payment would be forwarded to the new lender, and I was told verbally that the payment would be sent to the new lender. That never happened ; the money I paid for that month 's installment vanished. Although it was electronically deducted from my checking account, Sallie Mae/XXXX never applied it to that loan or any of my other loans serviced by Sallie Mae/XXXX.. The new lender never received that payment, and I was forced to make a double loan payment that month. Further attempts to follow up in writing with XXXX/Sallie Mae were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from Hayt, Hayt, & Landau, P.L. attempting to collect the above-listed alleged debt. The initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. Hayt, Hayt, & Landau, P.L. are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. The Consumer Financial Protection Bureau is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

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 2021-05-29
Company: Kikoff Inc.
State: TX
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:
KIKOFF LENDING LLC XXXX I have made several attempts to contact this company in reference to this account via phone ( Phone Number online doesn't work ), email and other means more than 10 times to no avail. This account does not belong to me, it's a result of identity theft. There should not be a late reflected on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT 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 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 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

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-09-02
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX passed away in 2015 and since then I have been struggling with Selene Finance in giving me any information what so ever to reinstate the loan payments on my mother 's home. Here we are 6 years later and I have no resources to help me talk to the company to work with us. And we are facing foreclosure. I would like to stop it and attempt a loss mitigation application or a payoff anything to assist in keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage modification was started last XXXX and set to begin in XXXX with a new payment. I provided the paperwork, signed, witness by notary public in XXXX. Freedom never acknowledged and after a few phone calls I found out they had a problem with a mark the notary made and didn't tell me. I requested another notary come out so we could resign and submit paperwork. That was done in early XXXX. I had begun making my new payment amount in XXXX ( and have in XXXX and XXXX, as well ) but the account doesn't reflect any of my modification. It shows " severely delinquent '' and I've received tons of mail communication about how much I owe and what will happen if I don't pay. I've sent over 13 messages through their system ( unanswered ) and called numerous times to get things on track and get answers as to when all of this will be corrected so I can set up recurring monthly payments and actually see where my money is going and what I still owe, and they lie every time about contacting me back to confirm. I've had several dates they promised an update and never gave it. Last week I spoke with 2 escalation agents, one set an appointment in the system for someone from XXXX to contact me and I took the time out of work and no one ever called. I called back the escalation agents and was promised another follow-up call that never came. This company seems to have no interest at all in the well-being of the customer. This has cost me in terms of money, time lost and now health issues. They also flat-out lie about there being a single point of contact working my case with familiarity on all the communications, as each time I've spoken to someone different and they've even stated that's not how the system is set up. So, every single phone call requires me to re-explain the entire history and I can't deal with this any more. They don't deserve my money in the meantime because they're clearly not providing the service they promise. Today, I discovered that they've reported me as 180+ days late on my payments- but they've had the full payment required under the modification terms each month since the modification was supposed to start! They're ruining my credit and they're the ones who can't seem to just finish their own process! I've done my part and continue to, no matter how difficult they make it!!!

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 2023-06-13
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Google wallet closed my account & will mot release my remaining balance back to me per their guidelines & terms! They did not disclose of why they closed my account & told me that they will not be giving me my remaining balance of XXXX! I am now further contacting you to file a complaint for further action to be discussed upon the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
None of the options really fit my concern. PNC bank has recently disabled  XXXX wallet  abilities as well as the ability to connect my account to other financial platforms - such as The financial app, XXXX  where I automatically have money pulled from my account to save, the financial app XXXX where I can have money taken out my account to invest and other apps requiring access to transfer money in and out with my approval. 

Ive had these accounts for awhile and then one day pnc just stopped allowing it. This is a life inconvenience and they did not have member approval to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: LA
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 XX/XX/2018, I submitted an Identity Theft affidavit to Equifax and included accounts that were not authorized by me as a result of identity theft ( due to losing wallet/purse ). Instead of eliminating all unauthorized/inaccurate accounts, Equifax instead responded by stating the creditor verified the account was mine. There isn't any way an account established as a result of identity theft can be verified, especially if someone had/has my information and was able to open an account with pertinent information because of such. The accounts are from XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). These items are still listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX PA XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-11-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I signed up for Credit Karma checking account via XXXX XXXX to get my tax refund deposited for a {$50.00} promo credit ( only to later find out that my tax refund was declined and sent via mail ). I of course never received my {$50.00} promo credit and when I contacted support they said ( one more than one occasion ) that the promo ended XX/XX/2021 even though I confirmed that to be a lie with the help of my XXXX XXXX expert, XXXX. Now I'm out my $ 3000+ tax refund AND have to patch things up with payroll at my place of employment. Credit Karma never replied to my email over this entire WEEK. When I called and spoke to a manager named XXXX ( XXXX? ) today I was not given my {$50.00} promo credit and had to transfer my money out of this pseudo bank account to my XXXX checking account myself. My account is still not closed and I am once again waiting for somebody -- anybody -- to contact me via email about this because nobody ( even the aforementioned manager ) would help me out. I want my {$50.00} deposited to my XXXX account and this Credit Karma " bank '' account cancelled.

Note : I just received an email from Credit Karma saying they would NOT even transfer my money into my XXXX account ( DESPITE me transferring money FROM my XXXX account INTO my Credit Karma " bank '' account ). PLEASE HELP ME GET MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: MoneyLion 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:
My bank accounts were compromised, part of the money from both accounts was stolen, it was applied for more than 15 debit cards from different banks and it was applied for a personal loan in XXXX that is reported in my credit report and I can not contact this company

Company response to consumer: Closed with explanation