BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Submitted a dispute online via XXXX upload. I faxed in the same disputed to XXXX and I mailed one to Transunion. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my Transunion account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

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 2019-09-25
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan has been in the deferred status since I am currently back in graduate school. Recently, I got notified that my loan is $ 600+ PAST DUE. I believe that I have " used up '' all my deferred time ( 60 months ) and that my loan is to be start paying back however, there has been NO communication on due dates and repayment plans despite mulitple calls to the company. I am trying to lower my monthly payment, and get my cosigner OFF the loan. I have applied 3-4 time to get my cosigner released with NO explanation as to why and how I can get him off. I have paid 12 months worth of monthly payments to them in a lump sum with no results. I have asked about the income driven repayment plan and keep getting denied. There is NO communication to when my loans are due. When i log onto my student portal it says my loan is DUE XX/XX/19. The start of my repayment yet I am already $ 600+ PAST DUE? IT MAKES NO SENSE. I have tried diligently to work with this company and we have reached no resolve. How do you expect timely payments when you don't inform your customers? You are setting us up for failure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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 to 15 USC 1681 section 602 ( a ) states I have the RIGHT TO PRIVACY. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX in the amount of {$930.00} XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$250.00} XXXX XXXX XXXX XXXX Account XXXX XXXX in the amount of {$600.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX in the amount of {$1200.00} in the amount of {$970.00} are in Violation of the LAW. 

XXXX5 U.S.C. 1681 section 602 ( a ) section ( 2 ) A consumer reporting agency can not furnish an account without my written instruction 1681b. Permissible Purpose of consumer reports ( a ) In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer, to whom it relates.

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 2023-08-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My client made a wire transfer from XXXX to my savings account in Marcus Goldman Sachs IMAD number XXXX for amount of {$190000.00}. 

XXXX confirmed that the funds were delivered to Goldman Sachs, but the funds were never credited to my account and Goldman Sachs is telling the are unable to trance the funds with the IMAD number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$5500.00}, {$270.00}, {$4900.00}, {$670.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on AXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX totaled. Kia Finance requested {$14000.00} to guarantee title to insurance company. ( Payoff was {$1800.00}. ) Insurance co sent check for {$14000.00}. Checked received by Kia Finance XX/XX/XXXX. I am owed {$12000.00} by Kia Finance. My refund check is still " pending '' with Kia Finance. I have called their customer service several times regarding this with no satisfaction.

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 2023-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
got a call from walmark on a XXXX XXXX didnt order amt XXXX call # XXXX XXXX XXXX on caller id threading w legal action and arrest warrant issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Shellpoint Partners, LLC
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:
Shellpoint Mortgage servicing company failed to report timely payments made. 19 months worth. 
Writing certified letters did absolutely nothing. Only filing a complaint with the Consumer finance protection bureau, made any difference - unfortunately!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX   ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting (XX/XX/XXXX XXXX   and XX/XX/XXXX Experian ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX  and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done.

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to 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 2022-09-02
Company: Velocity Portfolio Group
State: NY
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 Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Persolve, LLC - Legal - Series 2
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have truned in a police report and i have contected the companies for both of theses and truned in the police report please remove this off my credit persolve legal group acct number XXXX and XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My husband and I took out payday loans with acecasheexpresss.com in person in the XXXX, CA office XXXX. We made payment arrangements because we could not pay the lump sum at the time. Ace Cash Express called us several times a day for over a year and had individuals calling us stating they had legal documents that we needed to sign for and we needed to be at our home or work at certain times to receive thee documents or legal action would be taken, including adverse reporting to our credit reports and felony criminal charges. They also submitted the original check for the full amount of {$300.00} after I had made {$150.00} payment as agreed which caused overdraft fees so Couldn't make the final payments and cause other payments to bounce. 
It is now XXXX and we receive threatening calls almost daily from XXXX XXXX XXXX which claims they have a court case or legal action they want to negotiate for us out of court. They won't give any information about the original debt or give a case number. I know they don't have an actual court case because we have never been served actual court documents stamped by any court. We receive repeated calls from " Process Servers '' that use untraceable voip numbers and refuse to say who they hired them to serve the " legal '' documents or give us information about themselves. 
We have tried to make payments but Ace Cash Express has refused to accept anything but the full amount and continues to threaten legal action, calls us names, uses profanity, and violates Fair Credit Collections Act. We have verbally and in writing asked the, m to to stop contacting us to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently incurred a loss on my home. The loss was repaired and my insurance company sent me a check for about {$5600.00}. The check was made out to me, my wife, HSBC ( 1st lien holder ) and XXXX XXXX XXXX XXXX ( " XXXX '' ) second lien holder. 

As HSBC is the first lien holder, they informed me that I and my wife had to endorse the check, which we did, and then XXXX needed to endorse the check. I followed XXXX 's process for getting an endorsement in which they use a stamp and do not imprint a " wet '' signature. I then sent the check to HSBC per their process instructions. 

HSBC called me today to tell me they have mailed my check back to me ( regular mail with no tracking ) instructing me, the customer, that I have to go back to XXXX to get a wet signature. As part of what was the worst call I have ever engaged in, HSBC refused to tell me what signatures they would accept. I understand they can not dictate names, but all I asked is that THEY contact DCU to find out who was authorized and what officer title they hold. I wanted to be as sure as I can that I am not in an infinite loop going back and forth trying to conform to potentially incompatible processes. 

In the end, HSBC disconnected my call via sending me to an unnamed voicemail account that belonged to a XXXX  ( work initials XXXX  ). The call supervisor I spoke with, XXXX ( work initials XXXX  ) was completely unprofessional, lied to me multiple times, and was throwing as many road blocks in front of me as possible to make this as hard as possible. Meanwhile, I am out {$2800.00} from paying the contractor who fixed the loss 50 % up front. And the contractor is out {$2800.00} because HSBC is making this process as difficult as possible. 

I find it ironic that they are doing this when HSBC made it so easy for people from XXXX and XXXX XXXX XXXX to launder money through their bank ( for which they were fined ) but XXXX didn't know anything about this. 

I ask that HSBC please be held accountable for this atrocious behavior, policy/process and overall customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from Experian that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : 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 2022-09-03
Company: Experian Information Solutions Inc.
State: NY
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 account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its 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 2020-12-09
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want to Link a brokerage account to my PNC bank account but PNC won't allow it and keep directing back to the broker but its PNC bank not allowing the linking of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Navient Solutions, LLC.
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:
Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX  : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX  2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with Navient, XXXX, XXXX XXXX and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was a victim of improper account deactivation. I am unfamiliar with their Chime app and by mistake, I added funds to my Chime account from my XXXX account. I tried to cancel the transaction but there was no such option on their Chime app. Now, they closed my account. In every email, they weren't clear regarding what documents Chime wanted from me. They questioned my source of funds and I sent them everything from my current salary slips, ID documents valid visa status. They wanted documents and I sent those to them according to what I best understood. I am a XXXX working at XXXX XXXX XXXX  and now Chime is holding on to my money. 

I by mistake transferred {$2700.00} to Chime and now they have closed the account and are refusing to refund my money. They are not being clear as to why are they forfieting my money There is no question of source of funds as I am on legal XXXX status and employed by XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Experian Information Solutions Inc.
State: SC
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:
Submitted a dispute online via Experian upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the military. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.

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