BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: VA
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX US DEPT ED Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA 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 2023-11-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX XX/XX/2023 I submitted a dispute with Equifax about the Account XXXX XXXX XXXX with a FTC report fraud report. The account came back Verified. I asked Equifax for description of investigation under section 15 USC 1681 ( 7 ) of the FTC. Never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Nelnet, Inc.
State: MN
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:
XXXX hit and I was paying a lot down on my student loans. Then the XXXX XXXX announced forgiveness and I was eligible, so I requested a refund of {$14000.00} ( the amount I had paid in during COVID ) which bumped my balance to {$19000.00}. This is what my account showed at that time after the refund settled. 

When I requested my student loan refund they sent me like one check for each payment I had made in the mail. I cashed these checks and all was well. A week later I got another set of checks identical to the first. I did not cash these checks and Nelnet called me almost immediately and said " Hi { my name }, we sent you duplicate checks in error. Please destroy these checks and confirm they have been destroyed. '' I complied and gave confirmation to them. 

Then about a month later I got a letter in the mail saying " Send us the duplicated checks back or else we will be forced to add that amount back to your account ''. I had an hour phone call with them explaining the situation and telling them that they had already called and told me to destroy the checks myself. After this they agreed that I was good to go and that the balance would not get added to my account. 

Fast forward to today when I logged in and the balance was added to my account, now saying I owe over {$34000.00} when it should have been {$19000.00}. 

Apparently their error in sending me those checks caused them to add that amount to my account since they never got them back. They told me to destroy them. This may be hurting my XXXX XXXX in the interim since it's showing an additional $ XXXX needing payment. 

Now when interest starts accruing I'm going to be paying interest on this money that was added to my account in error by Nelnet. 

Additionally this has added lots of undue stress on me when them having some sort of process to catch this error on their end would have prevented this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On or around XX/XX/2021 we started the new construction loan process with XXXX XXXX XXXX for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 DAYS.

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 2023-11-16
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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:
I have been subject to the Equifax Data Breach. My information is at risk getting into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-08-08
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My company sends {$150.00} per month to my student loan servicer through XXXXXXXX XXXX has sent payments in XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. Only XX/XX/2023 and XX/XX/2023 have been applied to my account. I called EdFinancial in XX/XX/2023 because payments had not shown up at that time. They asked me to wait another 30 days. After 30 days, XXXX and XXXX payments were applied. I called EdFinancial in XXXX and was told to wait another 30 days. I called EdFinancial today XXXX, and was told that XXXX was not sending payments. I have email confirmation that payments were sent in XXXX, XXXX, XXXX, XXXX and XXXX. EdFinancial is receiving these payments and not applying them to my account. Each time I speak with an EdFinancial service representative, they ask me to call at a later date. No one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: CA
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 Disputed an collection account on my report with inaccuracies then experian, XXXX and XXXX  verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
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've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft Report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2022-12-02
Company: CBC Companies, Inc.
State: MD
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:
HARD INQUIRY ISSUES. 
I was shopping to refinance my Condotownhouse in XX/XX/XXXX, and XXXX XXXX was the projected lender which it is not actually. They run my credit through a 3rd company FACTUAL DATA, this company run 2 additional times without my consent. The first time when a XXXX XXXX lender representative and I agree to estimate the refinance cost which I can see in my credit report back on XX/XX/XXXX ; the second time my credit report was pulled again ( XX/XX/XXXX ) when they transferred me to a second representative from XXXX XXXX and seems this representative without my consent restarted over and told me that I didn't qualify and needed more extra income to qualify They ask me for my wife 's credit and she consented, she talked to them and They told me will add to the estimated projected refinance. This representative not just give me a high estimate and pulled my wife 's credit report but also mine for 3rd time on XX/XX/XXXX which I consider unnecessary and against my credit behavior I didn't want and deserve to be treated in that way, fortunately, we walk away from this company and I qualified for other Mortgage company all by myself and my wife 's credit wasn't needed. I talked to XXXX XXXX XXXX XXXX Resolution Advocate XXXX XXXX and she didn't consider an error, short and not helpful Phone number is XXXX fax number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This has been going on since XXXX of 2023 I was robbed by someone they took every thing I had and left me destitute I reported this to chime who refused to refund me I filed with the XXXX and they still lied and refused to refund my money while they continue to falsely report a {$6700.00} balance to the credit company every month and it's destroying my credit score I reported over {$10000.00} in stolon money amd they will not reimburse my money instead they closed off my access to my account and continue to falsely report to all the credit bureaus I really need you to step in and make this company give my money back and stop there false reporting of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX2021 I sent a letter regarding inaccurate and unverified information on my credit report. I waited for a response but it has been over 60 days and I have still not received any correspondences regarding my request. This information is affecting my ability to obtain credit. Section 611 ( a ) says that a failure to investigate my claims within 30 days is grounds for immediate removal the items in question on my credit report. Considering that it has been over 60 days at this point I demand that these items be updated/removed immediately according to my request in the letters sent. If these items are not removed I will explore the option of filing for litigation as my rights are being violated and I need these matters addressed promptly.

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 2023-04-12
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Paramount GR Holdings, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I applied for and was given a {$50000.00} loan for home improvements and solar from a company in XXXX, California called Goodleap in the month of XX/XX/2021. 
I also contracted with a XXXX company galled XXXX XXXX from Utah for the installation of a solar electric system on my property. Value of contract was {$50000.00}. 
The solar system was installed on my property at the end of XX/XX/2021 but the job was not completed as of that date. On XX/XX/2021 Goodleap wire transferred to XXXX XXXX {$36000.00} for the solar system without my approval and was not the full payment of the contracted {$50000.00}. I reached out to XXXX XXXX regarding this payment and asked why they only received a partial payment for the contract and was told by XXXX XXXX of XXXX solar that Goodleap ( finance company ) takes 27 % of the contract as a dealer fee and that the {$50000.00} contract with them is complete and fully paid for. 
I asked XXXX where in the contract does it say that I am paying a 27 % fee which is {$13000.00} and was told that Goodleap charges that to the customer on every transaction. So the cost of my solar system was much less than the {$50000.00} that I paid and the finance company is stealing {$13000.00} from me on this loan. I did call the finance company and they have denied any fees that they paid although they confirmed that they only paid {$36000.00} to the solar company from my loan proceeds and there is nothing in the loan documents that says the loan company is going to take a 27 % fee for my loan. 
This is total fraud and the finance company has stolen {$13000.00} from me and will not tell me or give me any information regarding the transaction and only have told me that the loan has been fully funded. I know based on what he solar company has told me that this has gone on for hundreds or possibly thousands of consumers and entails millions of dollars if not tens or hundreds of millions of dollars in stolen money from unsuspecting customers purchasing solar and financing it through this company called Goodleap.

I did reach out to a lawyer regarding this and he did some inquiry and did confirm my complaint, however I do not have the tens of thousands of dollars that it is going to take to file a suit against Goodleap to get my money from them.

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 2021-10-05
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation