BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a co-signer on three of my daughter 's student loans serviced by Navient. I make several payments monthly to them using two different credit unions ( call them A and P ), both of which are listed on my account with Navient. On two recent occasions, I have made payments to them *after selecting the account from which to make the payment* using the " Make a Payment '' button on their website. On both occasions, they took the payment from an account other than the one I'd selected. The most recent payment ( confirmation number XXXX ) was made on XX/XX/XXXX for {$1400.00}. Their on-line system properly applied the payment, apportioning it correctly as I had designated among the three loans. However, they took the payment from A rather than P as I had selected. I called them today to find out what had happened -- they said their system only showed it " had come from you, '' but not which account had been used. Their on-line system also does not show from which account the payment had been made. The representative with whom I spoke suggested that they'd taken it from the " default account '' -- but their on-line system does not designate either A or P as " default. '' She then asked if I'd like to set up regular payments, which I don't as I want the freedom to make payments at times and from the account of my choosing. As a result of their " mis-applied '' payment, I may incur overdraft penalties from A, but I think I now have that situation covered. They need to fix their system by ( 1 ) disclosing the " default '' account they plan to use ( if indeed that's how they operate ) ; ( 2 ) showing the account from which a payment will be withdrawn, ESPECIALLY if it's NOT going to be the one selected using their on-line system ; and ( 3 ) sending on-line users a confirmation e-mail for all payments that include both the amount and source of payments. It's absolutely ludicrous that neither their on-line system nor their phone representatives can tell consumers the source used for payments. I will probably delete one of the two accounts on their system, giving them only one option from which to withdraw payments, rather than count on them to accurately debit payments from the account I've selected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Public record information inaccurate

Complaint:
RE : Social Security NumberXXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows : XXXX  XXXX bankruptcy dismissed, account number : XXXX ; XXXX  XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office Cc : 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 2019-01-30
Company: M&T BANK CORPORATION
State: NY
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: Problem with personal statement of dispute

Complaint:
One XX/XX/XXXX I made my XX/XX/XXXX mortgage payment in the amount of {$1400.00} to MandT bank. They cashed this check on XX/XX/XXXX which was deducted from my checking account. I have a copy of the check from the bank that shows MandT cashed it as well as my bank statement that shows the withdrawal. MandT reported to the credit agencies, XXXX and XXXX  that my mortgage was past 30 days late. I contacted MandT to get this resolved and have not received a resolution. I filed a dispute with XXXX  and XXXX  and provided proof from my bank and my bank statement that shows the check was cashed 6 days later. 

On XX/XX/XXXX XXXX  finalize their dispute which indicated that MandT   verified that the information they submitted was correct. I don't believe that XXXX reviewed the documents I mailed in regarding my dispute if so how in good faith could they have accepted the verification from MandT bank. MandT bank clearly falsified this information which has now impacted my credit score.

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 2023-05-27
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX has a massive reputation by now that they hold your funds XXXX if you try to transfer out to another bank. The wallet app on XXXX will tell you the transfer is pending and that it will take 1-3 days. The truth is, however, they are putting a hold on the transfer pending verification. There are no indications of this nor any email or notifications to resolve the hold. As a customer, I only found out that more than 5 days have passed and my money still hasn't arrived. I contact XXXX XXXX customer support and they asked me to call a number. The customer support on that number then asks me to verify some things. I did. Then they tell me my transfer is now in " review '' status. They can't tell me what that entails or what will happen at this point. They can't tell me whether my money will proceed or when I can expect it to show up. The problem for me now is that it's the XXXX, and all my autopay for my credit cards are hitting my Ally Checking account. I do not have sufficient funds. All my credit card payments will bounce for having no balance, and I will have late fees and ruined credit history. XXXX XXXX with Goldman Sachs is a scam and they should be held liable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXXXXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: College Foundation, Inc.
State: TX
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:
Late payments have been reported to credit agencies but the loans were supposed to be in forbearance. When trying to contact the company you have to wait 30 minutes to an hour to get someone on the phone and even then they will give you incorrect information. Their website has been consistently down so even when I tried to access my account it would not let me and would tell me to try again later. They have made it impossible to get correct information and to keep loans current. I have had a 100 % payment history on my credit report my whole life until this incident. I have loans with the company that XXXX transferred the majority of my loans to a long time ago and have had ZERO issues. I don't know why XXXX makes it so hard and then unfairly reports credit issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XX/XX/1993 I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$160.00}. XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$500.00}. XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00}. XXXX XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: CITIBANK, N.A.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In 2019 I received a settlement from XXXX for the privacy breech. This year after years of on time payments and several payoffs on my costco citi card my credit limit was reduced to {$500.00} without cash advances from {$2000.00} limit. They sent some letter saying XXXX sent a low score but my score has been in the mid XXXX to XXXX and I continue to monitor my credit due to fraud. I see this as a retaliation by XXXX because none of my other cards have done this action and after all my work of on time payments and payoff I should be getting an increase. This decrease will only hurt my credit score in the long run doing the opposite of what I was hoping to achieve in better credit

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 2023-05-27
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 submitted a request 3 times on this account to verify the information. I asked that information be sent to me and i have not received a response from this creditor. I sent the first request in XX/XX/XXXX, then again in XX/XX/XXXX and the most recent request was XX/XX/XXXX. I dont receive any response but it keeps updating to my credit on XXXX XXXX Equifax and XXXX, as a charged off account. Since the account is charged off, by law, the lender must file Form XXXX and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1 ( IRS 2021 publication ). The following creditors are showing as charged off and I have not received any responses and the charged off balances are more than {$600.00}. I am requesting to have this removed from all credit reporting agencies immediately. 

XXXX XXXX XXXX Charged OFF Date XX/XX/XXXX Balance {$2000.00} XXXX Charged OFF Date XX/XX/XXXX Balance {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: CORELOGIC 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. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/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 2020-07-28
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2023-05-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My Family and I moved from XXXX, New York to Maine in XXXX of XXXX. Shortly after that, someone with access to my old building started stealing my mail. First a XXXX XXXX credit card issued to me, was mistakenly sent to my old address. In the process of clearing that up, I asked XXXX XXXX to tell me what items were purchased. All of the items were things I never bought, and one particular transaction was for an item that was delivered to another apartment within the same XXXX building while I was living in Maine. XXXX XXXX XXXX XXXX Department investigated the fraud, cleared it up, and sent the new card to the right address. 
The second incident went on without me knowing until around XX/XX/XXXX. I received a call from XXXX  XXXX in Maine. I had applied for a line of credit with them, and they made a credit inquiry which revealed that there was one outstanding delinquent account in the amount of {$21000.00}. I then requested a credit report XXXX, XXXX XXXX and XXXX, which gave me access to the information about the fraudulent account. The account in question was for a retailer named XXXX XXXX, and the company who issued the credit was XXXX XXXX. I called XXXX about the fraudulent account, and they asked me to verify the account number, but the credit report I had just requested, only gave me access to the first 12 numbers in the account ( the last XXXX digits were obscured ). I explained this to the XXXX XXXX. representative, and they said I needed the last four digits of the account. Of course, I never got access to the complete account number because whoever fraudulently applied for the account using my personal information, didn't bother to have the bill sent to my current address. So I never had access to the full account number until XX/XX/XXXX when I received a letter from Portfolio Recovery Associates , LLC, a collection company who bought the bad debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
It is now XXXX XXXX, XXXX, NewRez Mortg offers a change in payments in regards to monthly vs biweekly. The form is impossible to find which means you have to call. The ONLY people you can speak to are initial customer service reps. Any other department the customer is refused a transfer. The offer is to USPS mail any paperwork or fax. The mortgage company is capable and does electronic drafts so why can't a customer access any modern day business industry standard communication. The company either misplaces your expected email or doesn't receive the forms you are trying to provide. Changing my payments to biweekly has taken me over two months with REPEATED requests and followups on my end only. I do not know how the lack of electronic access has impacted other customers but it is frustrating and should be considered an unacceptable business standard. The only email the customer receives is a vague appreciation for contacting the business with no follow up.

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