BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: Berlin-Wheeler, Inc. (Kansas)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I got my credit report recently and found this collection agency Berling Wheeler Inc report on my credit report for XXXX Cable Bill in the amount of {$380.00} The account # XXXX and was opened on XX/XX/2020 for two months. The address on the account was for service provided in XXXX XXXX XXXX , XXXX XXXX, LA XXXX. As of today, I have never been to XXXX XXXX, LA in my entire life. I am also a value customer for both my business and home services with XXXX, I do not have a bill in that amount from XX/XX/2020. Please remove this from my Credit Report ASAP.

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 2020-05-26
Company: Navient Solutions, LLC.
State: GA
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:
My name is XXXX XXXX XXXX. In XXXX, I co-signed with my daughter to get a loan for her education to attend XXXX XXXX University in XXXX, Georgia. After completing school, she and her husband encountered some difficulties paying her loan. I had problems of my own, therefore I couldn't help her financially. I also had a student loan at the time. In the year between XXXX, her loan was paid in full due to IRS sending her refund to cover her loan amount to the U.S. Department of Education. Since that time, Navient took over my loan from Sallie Mae in XXXX. The last four of her loan was XXXX, whereas, the last four of my loan is XXXX, however, my entire account number is XXXX. Navient has placed her loan, which is already paid on my account in the amount of {$5800.00}. I wrote to the company about this on XX/XX/XXXX, but their response was, " We are unable to adequately address your concern via email due to the status of your loan. '' They gave me a number to call by telephone, which was XXXX. The Navient Email  Representative was Ms. XXXX. All she could tell me was that the loan was mine. I understand how co-signing works, but the loan was paid in full after the IRS sent my daughter 's refund to the U.S. Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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

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 2021-02-02
Company: Checkr, Inc
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company continues to report false information about me causing me a complete loss of income. Theyre reporting false information of another person 's record thats not even me I repeatedly sent documents for them to correct and they're refusing to correct errors and ignoring state federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Citi Bank. I settled two Citi credit card debts with a debt collector ( XXXX XXXX XXXX XXXX XXXX working for Citi Bank, N.A. on XX/XX/XXXX and XXXX XXXX, attorneys at law working for a debt buyer ( XXXX  XXXX  XXXX XXXX assignee of Citi Bank N.A. ). I paid XXXX XXXX XXXX via Two- {$500.00} and a second for {$500.00} on XX/XX/XXXX and paid XXXX XXXX XXXX XXXX  with two- {$1000.00} and a Secord {$240.00} on XX/XX/XXXX. I need two tax forms ( 1099-C ) s from Citi bank, N. A. for the settlement accounts - {$2300.00} forgiven on account ending in XXXX and {$730.00} forgiven on card ending in XXXX. I have been in contact with Citi Bank, N. A and even " management office '' ; however, I can not get information about the two tax forms.

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 2017-08-11
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I go online to the website and get an error message each time. Six months ago finally got through to a live person and they promised to fix the problem, they have not. Now I try to get another person and their AI system takes information and then does not connect to a person. I have tried four times and wasted hours trying to fix the issue. I can not get a copy of my report without sending information about myself that could lead to Identity Theft if sent through the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
Remove the fraudulent inquiries from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After closing on my mortgage refinance, the new mortgage servicing was transfered from XXXX XXXX XXXX  ( XXXX, AZ ) to Lakeview/XXXX XXXX ( XXXX XXXX XXXX, CA ). 

Unfortunately, Lakeview/XXXX XXXX did not properly review the closing documents, did not pay on time the homeowners insurance ( despite this being clearly disclosed on the hazard insurance endorsement letter ) and did not update my mailing address to correct address ( this was disclosed on the Impound authorization and first payment notification sheet )

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 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. 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 explanation
Consumer complaint received 2021-02-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX employee that works for Regional Acceptance keeps calling me with repeated calls every day after I tried to make payment arrangements with him on XX/XX/2021. He's even called my mother and daughter trying to locate me when he does have my phone number to get intouch with 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 2020-07-18
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:
Please investigate and delete disputed items that are listed on my consumer credit report : Accounts 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 explanation
Consumer complaint received 2017-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
INQUIRY - XXXX - INQUIRY MADE ON XXXXXXX. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD ALERT INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

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 2020-07-06
Company: AMERICAN PACIFIC MORTGAGE
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was refinanced and closed on XX/XX/XXXX. First payment was due on XX/XX/XXXX and I was required to make this payment by a check. The check cleared my bank on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. I made the XXXX payment on the website and it cleared my bank account on XX/XX/XXXX. 

The bank is claiming I didn't make the XXXX payment. I found this out on XX/XX/XXXX. I tried to resolve with customer service who stated they can see I made a payment but didn't apply it. She could not assist and said she had to email somebody and I would hear back in 10 business days. She told me if not posted by XX/XX/XXXX I would incur a late fee.

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 2017-08-11
Company: TENET HEALTHCARE CORPORATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters requesting these " debts '' to be verified and they have not responded then today I do a compare between my reports and the same " debt '' is showing up with two different company names and one will show Open and is a Charge Off then the same account with a different name will show Open Refinanced or Renewed this shows on all four which I have attached screenshots of. I have NEVER spoken with this company to " Refinance '' anything seeing how my ONLY correspondence was sending them letters asking for Validation from Central Financial Control I have even less idea who Syndicated Offices are. How can two differently named companies be on my report for the same " un-validated debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the past couple of weeks I have not been able to logoin to sls.net to see my mortgage. Specialized Loan Servicing customer service is not equipped to assist. They make you hold forever and have no answers. I get the below error message from XXXX browser as I attempt to login " Network error. Please try again later. '' I understand this could be a temporary issue but for weeks on end with no communication? 

Other browsers will not even connect to the login website such as XXXX XXXX and XXXX XXXX. Here is the error from XXXX/XXXX browser " Your connection is not secure The owner of www.sls.net has configured their website improperly. To protect your information from being stolen, XXXX has not connected to this website. 

Learn more Report errors like this to help XXXX identify and block malicious sites ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I requested a loan online and received a positive response the following day. Before receiving the response I emailed and called lending club to tell them I didnt want the loan after all as I had gotten a better one through my bank ( XXXX XXXX XXXX XXXX ). They told me it would take a couple days to show up and when it did I needed to call them back. I did so. They told me I would be able to use their 30 day policy for refunding the loan without any fees if I could keep it from getting to my bank. I told my bank. They werent able to do a stop payment on an ACH transfer so I called lending club and let them know. They told me that Id just have to get the money consolidated into my bank account and then give it back. I told my bank to do so. They did. The money remained in the account it had deposited into for a full 30 days while I repeatedly asked lending club through email and phone calls to take the money out. They kept telling me just to pay it off. I told them no I wouldnt because I didnt want it and they had a refund policy so they kept saying they would take the money out right up to that XXXX day, even sending an email to me saying that they had indeed taken the money out and this was a receipt for them having done so. Then I got a phone call from their payment dept asking me to pay them the first payment. I told them no I wasnt going to pay the payment but the money was in my account please take it out. They waited until the day after the XXXX day to tell me that the transaction had actually failed. They claimed this was due to insufficient funds and it was my banks fault. I called my bank. They told me the contrary. They said the transfer of funds had bounced back but that it was an issue with the lending club. I called and told lending club this and they said since the 30 days had passed it no longer mattered if I had intended to get the money to them and had made every effort at stopping the loan from coming to me, every effort at returning it, and been extremely patient for the entire month - now they have sent me a collections letter. I have tried everything in my power to handle this but it seems as if this is a scam. 
XX/XX/XXXX XXXX $ transfer to XXXX accts Emails and phone calls to XXXX XXXX and LC XX/XX/XXXX Emails XX/XX/XXXX from LC to me acknowledging the cancellation Emails on all the dates following asking them to please cancel this loan and them acknowledging my attempt to cancel : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX for the hundredth time I dont want this XX/XX/XXXX receipt of collections letter from XXXX from Lending Club for the past due balance of XXXX XXXX This is a far greater amount than the original terms and apparently theyve been taking money from my bank account for payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
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: Information belongs to someone else

Complaint:
credit bureau is continuing to allow XXXX system to report false and fraudulent information on my report. I have attempted to resolve this with them since XX/XX/2020. XXXX  is attempting to collect a debt for direct energy which does not exist and never has. i contacted them directly and they have no trace of information that relates to me. its false. ive asked several time on multiple requests for proof and it nver has been provided ( once again i knew they couldnt provide because the account with direct never existed ) its for the total of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
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:
XXXX ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.

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