BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Navient Solutions, LLC.
State: CT
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 was completely in the dark about why my loan forgiveness was denied multiple times. I spoke to numerous customer service reps at Navient who kept telling me something about a loan before XX/XX/XXXXwas consolidated and not paid off. I was never told by any reps of the steps that I needed to do to be able to receive loan forgiveness. I was never told not to consolidate the loan from before XX/XX/XXXXin order to qualify for the forgiveness. Now, over XXXX payments later, I found out that I had to move my loans to another servicer and start from payment number 1 again. Navient told me nothing! They made an insane amount of money off of me which cost me another 10 years of my life paying off loans that should have already been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: General Motors Financial Company, Inc.
State: AR
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:
Gm financial XXXX XXXX unauthorized inquiry XXXX XXXX XXXX unauthorized inquiry XXXXXXXX XXXX  XXXX XXXX unauthorized inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Resurgent Capital Services L.P.
State: IA
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 submitted multiple disputes with XXXX regarding inaccurate credit reporting from Resurgent/LVNV, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as XXXX shares a duty to ensure the accuracy of the information reported to it by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: NC
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 have already tried to dispute this account several times to no avail. This account is fraudulent. I have even tried to dispute this account with the so-called original creditor but they don't have a valid address according to the USPS, but somehow Equifax keeps updating this account even though the address is not valid. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXX of birth XX/XX/XXXX Last XXXX : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XX/XX/XXXX Re : Disputing error [ XXXX ] on credit report To whom it may concern I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, TransUnion ] consumer report : I find these accounts listed to be in violation of the FAIR Credit REPORTING ACT and in violation of my privacy and consumer rights and confidentiality under 15 USC 1861.

Dispute 1 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX and acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX My account were compromised from XX/XX/XXXX til about XX/XX/XXXX Explanation of item being disputed : from XXXX  until about XXXX XXXX XXXX I was a victim of identity theft while in the XXXX and XXXX for XXXX XXXX  care. 
o The report shows I currently owe money to your company that I have already repaid. 
o The date of first delinquency on my report is not accurate. I have not have access to the accounts since XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely,

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 2021-05-13
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
You have just closed my complaint based on FALSE response submitted by Selene Finance Company. Selene is a criminal enterprise that should be shut down. CFPB should at very minimum review MY statements received FROM Selene Finance and the statements that Selene sent you directly. You will then see they have falsified the statements sent to you. 
Granted, they have stolen only a mysterious {$53.00} sent to escrow for no reason. This is to cover up the TWO late fees they charged. 1. Selene charged a late fee of {$49.00} on XX/XX/XXXX, 16 days after receiving the loan. Contrary to federal law. 2. They charged a late fee again on the payoff statement. Contrary to federal law within 60 days and additionally without basis. Both these items, XXXX statement and payoff quote are attached. You will see they told ME it is a late fee. They told YOU the funds have gone to escrow. 

Clearly, I am XXXX during my day job, this is a laughable matter for me. I had the funds to pay off this predatory company in full. CFPB owes it to the consumer to protect them. You must get numerous complaints from consumers who do not have the means to pay off and get away from this predatory company. You MUST strengthen consumer protection and here you have the tip of the iceberg. Please protect consumers in general and specifically from Selene Finance. This is text book predatory mortgage company. You are literally there to pick these low hanging fruit and put them out of business. 

Moreover, how can they charge me a late fee, twice, illegally and all within the 60 days they note in their initial response to you??? Then submit falsified docs to you and you close the case. This is NOT acceptable. 

If they claim they have emailed, that too, is a lie. They have sent twice, an email with something that is not able to be opened. I requested my company IT to try to open attachment and we are not able to even get to a step that might try to open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Violations reported : FCRA 15 usc 1681i ( a ) FCRA 15 usc 1681e ( b ) FCRA 15 usc 1681 ( b ) ( 2 ) Experian has reported that XXXX XXXX XXXX XXXX XXXX is the original creditor which is not true XXXX XXXX XXXX is the Original creditor. Experian failed to sufficiently investigate and confirm how the items reported were deemed accurate. This account does not match my personal information, this account is reporting as a collection account with a ongoing balance that is increasing. This is a FCRA and FPDA violation. Verify by speaking directly to the original Creditor ( XXXX XXXXXXXX XXXX  ) not XXXX XXXX XXXX ( third party ). This account has also been reset to XXXX, this is a violation has this account was not opened in XXXX. Have XXXX XXXXXXXX XXXX verify or delete this account. This item is being reported beyond statue of limitations according to the state of texas.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: LA
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 begin trying to fix my credit, seen a few things like personal info and accounts, and hard inquiries I did not recognize, I tried to dispute some came off report so.e did not. Still XXXX collection that's fine did have issues with stolen identity, did report is and ssc was stolen. Left friend along with my phone, she thought she was doing me a favor, she disputed somethings she shouldn't have. I was made aware by Experian when I got home. She apologize. I tried to dispute the recent disputes but, it was too late they went through, as a result I, have no credit history, and I am trying to build credit to buy a car, I payed {$200.00} to XXXX XXXXXXXX for a secured credit card and than I got an email saying that they can't continue the offer because of a dispute with Experian, and I also had a XXXX  day free trial with expian that it will not let me cancel, My goal is to pay what I owe I don't want anything extra except the credit that I had before XXXX XXXX, when the online disputes took place and I would like my credit report to return to normal please 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

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 2022-12-24
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022, I purchased a XXXX ' gift card in the amount of {$75.00} for a family member as a XXXX  gift from XXXX in XXXX XXXX, MI. Unfortunately, the card was never received and therefore was never utilized by the recipient as the XXXX delivery system was not operative. I spoke to the XXXX at XXXX who although, he was able to pull up my receipt and could clearly see status of the purchase via XXXX XXXX XXXX, he informed me that I would just have to take a loss or contact XXXX  to obtain a refund or get another gift card reissued because it is a XXXX card. I contacted XXXX who told me that I would have to contact XXXX as they are the ones who received payment for the gift card and would have to refund me. 

Each company is telling to contact the other and I am not getting a resolution. Please help. I will NEVER purchase a gift card from XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: AE
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:
Saw on a recent pull of my credit report that there was XXXX late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since XXXX. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. I filed a dispute with all 3 reporting agencies. Equifax 's investigation was finished two weeks later, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. ID Theft Report from the FTC is attached. 

Equifax didn't even acknowledge my ID Theft Report from the FTC during the original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: VA
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 my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, BankruptcyXXXX XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXXXXXX XXXX VA XXXX, Bankruptcy : Discharged XXXX Filed on XX/XX/XXXX Referencenumber : XXXX Court : US DIST CT, XXXX  XXXX bankruptcy discharged Filed on XXXX XXXX Reference number : XXXX Court : U.S. Bankruptcy Court, XXXX XXXX  Inquired XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 2022-11-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 
2. Why does it still show I owe? Please remove items that have been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
One dates XX/XX/XXXX and XX/XX/XXXX I and my mother have received threatening phone calls from ACE CASH express. They are stating that they are going to press charges against me for fraud for none payment. 

They have harassed my mom as well. They are speaking to her as if they intent on holding me hostage : that they know where I live, they know my address, and that they know where I work. If this was all true ACE would know that I am unemployed. And living off food stamps.

However on their calls to me they are asking for my address to send documents to. That I have been warned. So if they don't have my address why are they contacting my mother, telling her they know everything about me? Ace Cash express has my information on file. I have not received one piece of mail from ACE and I have not moved. There is no need for the aggression in phone calls. If they have documentation they are more then welcome to send it.

During these phone calls its only aggression and threats - there's no point to a resolution - only continuous abrasive language and argumentative communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
From XXXX to XXXX, I had a checking account at Citizens Bank. Beginning with my monthly statement for the period ending XX/XX/XXXX through my statement ending XXXX XXXX, XXXX, I was charged each month a {$2.00} fee for receiving a paper statement. I called the XXXX number and asked how they could charge a fee for paper statements if it is a federal requirement that the bank provide me with a monthly statement. I was bounced around between XXXX different people : XXXX, XXXX, XXXX, and XXXX. I got nowhere because my account records have been purged. I am glad I did receive paper statements because their record retention policy is awful. A few days after I called customer service, I received a call from XXXX XXXX in the XXXX 's Office. ' She wasn't helpful because all she said was that I had 30 days to report any errors on my statement. This was no error because it was bank policy to charge a fee for receiving paper statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
After an exhaustive search for my missing second stimulus check from XXXX to late XXXX, XXXX, I was informed by the IRS that the check has been deposited into our checking account with my social security number in XXXX XXXX  in XXXX Ohio. Over the next couple weeks I was not able to successfully make contact with or get a response from XXXX  until I made a complaint with the XXXX XXXX XXXX of Ohio. It was in then they we were informed that it had been transferred to a US bank account in my name per instructions from the IRS. The IRS indicated their records showed that the check was still in XXXX  checking account. Keep in mind, from XXXX to mid XXXX there have been several contacts with US Bank each time we were informed that they have not received the check because the account has been closed and would have had to send it back to the IRS in a timely manner. Important, because it will still take another 6 to 9 weeks for the IRS to mail it to me. So then a call was made to US Bank ( mid XXXX  ) AFTER XXXX  statement, we was then told they did receive it and deposited into my closed business account. The account had been closed since XX/XX/XXXX due to fraud by my ex spouse Im a single parent and small business owner requesting the return of my monies asspnn

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 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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