BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-07
Company: National Credit Systems,Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
The XXXX XXXX said that they were changing their name and the Lady name XXXX XXXX didn't take our payment because she specified that they were changing names and to pay our rent to the new company would be accepting our payment but when the new company took over we end up being late to the new company but it was the XXXX lady fault so i just moved out because i could pay no double rent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, I've sent letters to credit agency of inaccurate information on my credit report to be disputed and did not receive investigation results in mail of response within 30 days. I know my rights and they are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call from XXXX ( collection agency ) XXXX XXXX regarding a balance from US Bank from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now us Bank wants to recoup the money and failure to pay would put me into check system. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I will also be filing a XXXX complaint as well!!! Acct # 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 2021-04-13
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
COMENITY XXXX AND ACCOUNT ASSURE CLOSED MY BENEFITS IN ERROR AND AS A RESULT, MY ACCOUNT IS NOW IN COLLECTIONS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
Company: Simon's Agency, Inc.
State: NY
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:
I called Simons collection agency in XXXX  of 2021 to pay off a pass due account in the amount of {$180.00}. The woman helped me and the account was paid off over the phone via debit card. I asked prior to giving my debit card information and was assured this would be removed within 2 weeks. I proceeded and made payment in full. However even though the woman assured me it would be removed within 2 weeks, its been 10 months and it has not been removed. I keep calling and am put on hold or hung up on. I dont know what else can be done. 

Collection Agency : SIMONS AGENCY INC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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: Account information incorrect

Complaint:
I don't have an XXXX loan with XXXX Empoyees I am XXXX They keep reporting a loan that is not mine!

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 2017-11-07
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX. I contacted the company and requested a pay off balance and was told I would receive it in the mail. 

XXXX XXXX contacted the company and was asked to call their attorney to give me a pay off balance. 

Last year, I had XXXX XXXX. Before this XXXX I went to their office to sign paperwork deferring my payments since I also had insurance with my loan, which was supposed to make the payment. 
I was assured the insurance was making payments. When I called the company to ask when my insurance would run out, I was told since I had unemployment insurance and I was unemployed almost a year prior and the insurance company did not send the payment I was told that that payment would cover me for 4 more months. This did not happen. 

I received a notice from their attorney a few months later during me for non payment. 
I went to court and the attorney apologized and stated it was the fault of the company and not mine and she dismissed the case and an agreement was signed stating I did not owe any attorney fees and if at any time I did not make payment on my account when due, 15 days after the due date I would have to pay attorney fees. This has never happened because I always made payments on time. After the agreement was signed I contacted the insurance company to find out why they never paid landmark when I was unemployed. They claimed lendmark never forwarded them documents they requested. Documents I had given to lendmark were never given to the insurance company. I was asked to resend those documents and when I did, the insurance company paid within days of receiving them. 

However, I have asked several times for a pay off balance and have been told to speak with their attorneys because I may owe attorney fees. I stated I had the agreement and I also believe they should have a copy of the same agreement because the attorney assured me she was sending them a copy the same day. Several times they acknowledged the receipt of this agreement but once I asked for my payoff balance no one wanted to give it to me. 

My last attempt was on XXXX where I had to ask for a manager and I told him I had no business with the attorney so I would not be calling and since my loan was with their company it was in their best interest to provide me the information I wanted on my account. He refused and told me he would contact the attorney and get back to me.
Landmark is in breach of the contract I signed with their company and the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Credit Karma, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
First of all I received my refund advance from Credit Karma on XX/XX/22. My account was frozen about a month later with no warning or reasoning. I have literally called over 30 times in the last couple weeks trying to resolve my issue which resulted in various failed and automated email responses which were all the same. I sent in my ID AND BANK STATEMENTS like I was asked OVER a month ago and verified my identify one too many times. My tax return was deposited over 10 days days ago my advance was repaid and my negative balance was settled but my funds which I am entitled to are still locked away at this point Im feeling like my money is being stolen. I keep being told everyday my case has been escalated and nothing. The XXXX of the month has passed and my rent is due and Im on the verge of losing my apartment and getting shut off notices from bills and no one there seems to care at all. I need access to my money or a solution to my case. I am over this whole situation and fed up. I have sent over 10 emails spanning almost 2 months this is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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:
I'm demanding that these two 2 ) major credit reporting agencies ( Experian & XXXX  ) either provide me with a signed contract with the companies inwhich they are reporting or remove the unauthorized accounts immediately..And as a general rule of law electronic Verification can not be accepted as proof. I'm disputing the following accounts 1 ) XXXX XXXX XXXX 2 ) XXXX/ XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX 5 ) XXXX XXXX  XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX   XXXX 8 ) XXXX  XXXX Please remove the accounts

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 2019-08-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Wells Fargo has been allowing others cash my personal check and taking money out my account

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 2019-06-25
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I C SYSTEMS IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT.

ACCOUNT # XXXX ACCOUNT # 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 2017-11-02
Company: Navient Solutions, LLC.
State: SC
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 account is in a forbearance status yet my credit score dropped XXXX points last month Because the balance went up on my navient loans! Its no way that interest in one month is XXXX. A

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I don't have an XXXX loan with XXXX XXXX  I am grrr They keep reporting a loan that is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Navient Solutions, LLC.
State: TX
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 enrolled in a program through my employer XXXX XXXX to get on a plan where my employer would pay $ 100 monthly specifically to my Principal balance on the designated loan XXXX XXXX XXXX monthly as long I am in good standing monthly for this loan. The funds have not been getting applied correctly. So far XXXX XXXX has made two payments for {$100.00} one on XX/XX/2021 and one on XX/XX/2021 for both the months of XXXX and XXXX respectively and XXXX XXXX did not post the funds to the Principal balance of this loan as requested. 

I called on XX/XX/2021 initially since the {$100.00} for the month of XXXX was not applied to principal only for loan XXXX XXXX XXXX. I requested that this be adjusted. The customer service agent stated they submitted a request to have this updated and said it would take a few days. The customer service agent also stated that they would make sure that the loan is notated so that funds are applied to the loan 's Principal each month, this did not occur and I had make a second call on XXXX since the correction was not completed. I was told the it will be corrected as before on XXXX call, but this request was not fulfilled. 

I called again on XX/XX/2021 and customer service acknowledged that the adjustment requests were not completed properly and neither one of the {$100.00} dollar transactions were posted to Principal correctly. She stated that she would do a special request to make sure that both instances of {$100.00} for the months of XXXX and XXXX are adjusted and posted to principal only to this loan. She also suggested I ask to see if my employer can address the payments loan moving forward. I agreed, though I was very annoyed because when I set up the program I was asked which loan to apply the funds to initially, which I provided. 

I am still very frustrated that I had to make 3 calls and this point in time, with my funds still not being applied correctly. Funds were not applied to the Principal balance as agreed and I had to call several times and there still no resolution. Please address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am writing this due to non compliance with the CRAs ( Transunion, XXXX, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

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 2017-10-26
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Charles Schwab refuses to process my bank account opening request. I do believe I am being discriminated due to my national origin and I would like this issue properly addressed.

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 2019-06-25
Company: Experian Information Solutions Inc.
State: CT
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 am writing this due to non compliance with the CRAs ( XXXX, XXXX, Experian ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-07-07
Company: Choice Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In a review of my credit file, I see, Choice Recovery, listed on my credit file. I have never heard of this company. I believe they are trying to take advantage of the elderly. They are depressing my credit score with their entry on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX is not paid late late, I never made a late payment on the account ever. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. CFPB step up, reverse the late payments on 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX XXXXDo not use the XXXX system.. 
XXXX Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and Transunion and XXXX still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( XXXX ) letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.

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 2017-11-07
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: Investigation took more than 30 days

Complaint:
I filed a direct dispute with Transunion XXXX XXXX XXXX for 8 accounts. 6 that are fraudulently open ( {$150.00}, {$200.00}, {$2000.00}, {$900.00}, {$69.00}, {$1300.00} ) ; due to stolen identity, and the other 2 ( {$14000.00}, {$7800.00} ) which the amount owed is incorrect. It has been longer than the 30 days that the law requires. I called Transunion on XX/X/17, to follow up on my dispute, they were unable to help me and gave me the same file number after the agent told me he redid my dispute. He did not want to email me the information nor give me any information regarding my dispute. The agent was very rude and could not understand me. He Kept repeating the same thing over and over. It was very hard to understand his accent as well. Nothing was resolved or even token care of.

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 2017-11-08
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on my XXXX Credit Report on XXXX XXXX, 2017. This inquiry was not authorized by me. I contacted Syncb/jcp by mail and they did not send me a letter with proof that I authorized this Inquiry. I never received proof of a denial letter stating why I was not approved.

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