BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: Ascendium Education Group
State: IN
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:
I attended XXXX from XXXX. I withdrew because I was lied to about transferring my credits. In XXXX I applied for XXXX XXXX for XXXX and was denied. In XXXX, my student loans were XXXX due to being a permanently XXXX veteran. I wanted a refund on all the payments and offsets paid on my student loans. In XX/XX/XXXX XXXX advised me I would have to reactivate my loans to get a refund. On XX/XX/XXXX I received a letter from XXXX that my loans were reactivated. I was told that ascendium had my loans. Then after contacting ascendium I was told by them that the debt resolutions group had my loans. I contacted them and was told that to send him had my loans. When I go on the federal student aid website it states that navient has my loans. So after contacting all these companies I found out that ascendium does have my loans even though the federal student aid website states that navient has my loans. I contacted ascendium about getting a refund and they sent me an email from the XXXX  stating I would have to contact the XXXX XXXX XXXX for a refund. Then about XXXX weeks ago I received a check in the mail from the Department of Education for {$1000.00}. I called the federal student aid customer service to find out what that check was from and nobody knows. I contacted the sending him XXXX again and they stated that they can't give me a refund once again and I would have to contact the XXXX XXXX XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX and they told me it's ascendium who would have to give me a refund since they acquired my loans in XXXX from navient and navient got my offset in XXXX. I'm being put in circles and nobody will give me an answer. I also have a XXXX XXXX  Application that is pending that I resubmitted in XXXX just at my own advice because nobody was telling me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXXXXXX XXXX,2022 I sent Experian a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Experian written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against 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 2022-02-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2020 I disputed XXXX XXXX with XXXX XXXX and the account was deleted. The amount owed is wrong since the collection is apparently a contract penalty for canceling. I never had a contract with the company. I never received any collection info in writing from this company it just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my spouse was forced to resign from a job he has had for over XXXX yrs and we proactively reached out to XXXX for a solution to assist in catching up on the missed payment that we missed for XXXX or XXXX of that year. Over the years my husband and I have acquired at least 4 mortgages between the both of us and we had never missed a payment until this point. Prior to M & T obtaining the loan around XXXX or XXXX, we were in the process of a repayment plan with XXXX to catch up on a missed payment of the mortgage on our house. During this process we were verbally told by XXXX that our loan would remain in good standing as long as the catch-up payments that were kept current which they were. We missed 1 payment during the entire year of XXXX but it shows on our credit report as it was consistently late for more than 5 months. We contacted M & T and they assured us that everything was fine and we were in good standing. In late XXXX of XXXX, our home in XXXX XXXX suffered a tremendous loss due to extreme water damage from the pipes bursting and completely flooding all 3 levels of our home. Our home had over {$200000.00} dollars of repairs done that took several months longer than projected due to M & T withholding the funds and paying the contracting company in a timely manner which was agreed upon between the 2 companies. Needless to say the process was very stressful. We still continued to keep the mortgage payments in good standing. Since all of this has transpired, the mortgage loan was paid off early and in full in XXXX of XXXX due to the sale of the home this loan was associated with. With this repayment plan our initial payment was {$4400.00} and the following payments were in the amount of {$3300.00} for 6 months or more in order to get this the missed payment caught up and we were told that our credit report was going to show we were in good standing, but to our dismay we discovered just recently that this was not the case.

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 2019-05-07
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 is missing that should be on the report

Complaint:
In XX/XX/2018 I was in an accident which totaled my XXXX XXXX. My insurance company XXXX XXXX XXXX paid the amount to cover the loss of my vehicle. I received a letter on XX/XX/XXXX from XXXX that states my loan has been paid in full. On XX/XX/XXXX received another letter stating I owed XXXX . I tried to resolve but meanwhile they sent a notice I was 30 days late paying my bill that reflexed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va 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 2021-03-30
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I entered into a person loan with XXXX XXXX for {$15000.00}. Due to being diagnosed with Covid 19 in the last week of XX/XX/XXXX, I was extremely ill for over month. In XXXX I was hospitized, laid off of my job, and dropped from my corporate insurance policy. I was sighted for a 30 day late for XX/XX/XXXX by XXXX XXXX on this loan. When I was well enough, I contacted XXXX XXXX and notified them of my near death health issue. I requested a courtesy adjustment to my credit report undet the circumstances and was told that they would remove the late pay as long as I caught the payment current. On XX/XX/XXXX I paid {$600.00} to catch the payment up. The late pay was never removed. I then repeated the process and disputed the late pay. Still.never removed. Now, on XX/XX/XXXX I cantacted XXXX again and spoke with someone in the department that handles credit reporting. After being on hold for 45 minutes, i was notified that management had approved for the late pay to be removed, the sited the previous notes and I was told it would take 7-10 days. Today is XX/XX/XXXX. The late payment is still reporting. At this point, this late payment is adversely affecting my ability to finance my business and do my life, and take care of my family. According to the Hereos Act Section 110401, negative consumer credit reporting is suspended during the Covid 19 Pandemic plus 120 days there after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-03-03
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, I activated an offer for my Marcus Savings Account to receive a {$100.00} bonus after depositing {$10000.00}. I made the deposit and was cleared for the funds. A CD then matured a few days later and the funds were moved to into my savings account. I transferred some funds to an external account and took {$15.00} too much so I only had {$9900.00} left from my initial deposit. Realizing that the offer would be inactivated I called immediately on XXXX and they tried to put a stop to the transfer, but said it was too late even though it was mere minutes later. I then continued to transfer more money out of the account since I saw the offer was no longer active. 

After talking to customer service again I realized that the offer was running until XX/XX/XXXX so I could still qualify. I reactivated the offer on XX/XX/XXXX and attached is the email confirmation. I checked my account and it showed my offer was active so on XX/XX/XXXX I deposited the {$10000.00} to clear the threshold again. I checked my account on the XXXX and realized the offer was gone. I then called customer service and was assured that as long as I had the confirmation email I was fine and they saw the {$10000.00} threshold was met. They told me someone on the promotions team would reach out in 1-2 days.

I then did not hear back from anyone for the next 10 days and placed 7 calls to customer service on Friday XX/XX/XXXX. I finally got someone on the promotions to give me a call back, but it was an inopportune time and all I learned was that they voided my offer because of previous transfers. There is no mention of previous transfers in the conditions of the offer and I raised my balance by over {$10000.00} with new funds post activation. Since activating the offer I have not issued any withdrawals as well. Upon calling back customer service two more times I had a 35 minute conversation with a considerate associate named XXXX who told me that they are unlikely to honor the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : -- -TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to formally lodge a complaint regarding the unresolved attempts I have made to remove fraudulent items from my credit report. I have diligently followed the necessary procedures, including filing disputes and providing supporting documentation, on multiple occasions, yet these fraudulent entries continue to tarnish my credit history.

To provide context, I first noticed the presence of fraudulent items on my credit report Since then, I have taken the following actions : I promptly contacted your agency and filed a dispute regarding the fraudulent items on. I provided all requested documentation, including a copy of the police report filed for the identity theft.

I followed up on the status of my dispute, and I was informed that the investigation was underway.

After receiving no resolution or update on my dispute, I filed a second dispute. I reiterated my concerns and provided any additional evidence requested.

Subsequently, I have made additional attempts to address this issue, including phone calls and emails to your agency 's customer service department, without any satisfactory resolution.

Despite these multiple attempts and the significant effort I have put forth to resolve this matter, the fraudulent items continue to adversely affect my creditworthiness. This situation has caused me undue stress and financial hardship.

I understand the importance of maintaining accurate credit reporting, and I believe that your agency has a responsibility to ensure the accuracy and integrity of the information in my credit file. As such, I respectfully request the following : A thorough and expedited investigation into the fraudulent items on my credit report.

Immediate removal of the fraudulent entries from my credit report, as they are negatively impacting my ability to secure credit and financial opportunities.

A detailed written response outlining the results of the investigation and the actions taken to correct my credit report.

Assurance that steps will be taken to prevent any recurrence of this issue in the future.

I expect a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. If my concerns are not adequately addressed, I may be forced to seek legal remedies to rectify this situation. I am asking for your immediate attention to remove the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-12
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:
According to the Fair Credit Reporting Act, specifically 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Equifax and XXXX, being consumer reporting agencies, hold a significant role in safeguarding our private information. 

Under 15 USC 6801, it is the Congress 's policy that financial institutions must continually respect their customers ' privacy and protect the confidentiality of their nonpublic personal information. The term " Furnisher of information to credit agencies '' falls under the definition of a financial institution within this framework.

Additionally, 15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can furnish a consumer report solely in accordance with the written instructions of the consumer to whom it pertains. Neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies, Equifax and XXXX, have obtained my written consent to furnish this information. Therefore, all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing the consumer an explanation of how they can exercise their nondisclosure option. Regrettably, ( Furnisher of information to credit agencies ) never informed me of this right to exercise nondisclosure.

In direct violation of 15 USC 1681C ( a ) ( 5 ), Equifax and XXXX are reporting adverse account information without my permission, which is prohibited by law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states that any person should not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Equally important, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of Section 1681c and to limit the furnishing of consumer reports to the purposes listed under Section 1681b. Equifax and XXXX appear to be falling short in maintaining these reasonable procedures. 

Lastly, as per 12 CFR 1016.7, a consumer retains the right to opt out at any time. I am formally opting out of your reporting services.

Account Name XXXX  XXXX. Account Number. XXXX Account Name XXXX XXXX XXXX. Account Number. XXXXXXXX XXXXAccount Name XXXX. Account Number XXXX Account Name XXXX  XXXX XXXX . Account Number. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for an XXXX XXXX serviced by Synchrony Bank. In my application I was asked for, and stated that, I do not communicate by telephone, therefore Synchrony Bank would contact me IN WRITING to complete the application process. THEY DID NOT. Instead, they sent a standard denial letter stating " Invalid phone number of applicant '' and " Applicant associated with multiple phone changes '', both of which are untrue and total 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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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, XXXX and Transunion are showing an account for XXXX that is past the date of them reporting this so this is a violation of the Statute of Limitations and this is a violation of my rights under the FCRA and is actually a civil crime. I am requesting that all 3 credit bureaus remove this old outdated item from my credit reports immediately.

The law is very specific and it even says on the credit report that it stays on until XXXX of 2021 and here we are in XXXX of 2021 Remove this violation immediately. See attachment to show proof

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 2020-03-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The attorney has engaged is unfair and deceptive practices in violation of FDCPA in his actions related to the attempted collection of a credit card debt which his firm bought from another agency. 
The debt is time barred, and as such can not be used as grounds for legal action. 
This attorney referenced an entry of judgement for which I was not aware nor properly notified nor properly served. 
In my attempt to resolve the debt in good faith, I provided financial information as a means to establishing a repayment plan. The attorney represented that they would cooperate with me in arriving at resolution. 
Instead, the attorney, without due notice levied my personal bank accounts. 
With the difficulty I have encountered in making contact with this attorney and his firm via phone, email, and correspondence via mail, I have not been given sufficient opportunity to communicate effectively nor has the attorney been forthright in their communication with me. 
My demand is that this attorney immediately be order to cease and desist all and any actions against me in the matter of collecting a debt, and be investigated by your office for disciplinary action.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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