BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is against XXXX XXXX XXXX ( XXXX ).  On Monday, XX/XX/XXXX I received an alert from experian that my credit score had decreased. Upon checking, it said XXXX University had reported late payments. I was not sure what this was about. After much investigation on my own end, I realised that XXXX University held my Federal Perkins loans. When I graduated last year and I sat down with my financial/loan adviser at school  I was told all my loans were serviced by XXXX. I have been in touch with this servicer and was advised that payments are suspended and interest accrued is 0 % during these difficult times. I believe this to apply across board, including to my Perkins loans. Upon realising that XXXX University is a servicer, I contacted them via phone and email, but to no avail. I wanted to know how to pay the amount due, how to process this report, and just any help to get some answers, but no one returned my calls or responded to my email. Moreover, before reporting me to the credit bureau for late payments they did not as much as send me an email telling me that my payment is due, or that I am in repayment. There was literally no way for me to know this information, other than me spending hours trying to figure this out after my credit has been ruined.I ended reporting XXXX University  in order to rectify this situation. 
This Monday I received an email from XXXX University  where I was informed that XXXX is my loan servicer for the Perkins Loan and I should contact them. 
Upon calling XXXX  I am told that they were mailing notices to an address on file from ten years ago, which is not even in the USA -although they did have my current mailing address on file. Not only this, they also did not apply the three month forbearance due to COVID-19 to my loan which puts my first payment due in XXXX. So not only was I NOT late on any payments, I was also wrongly reported. When I asked them to fix this situation, they asked me to dispute it with a credit bureau and told me they couldn't fix it on their end -although they had ruined my credit by inaccurate 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 non-monetary relief
Consumer complaint received 2020-05-09
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have never received a debit card for the Oklahoma unemployment benefits. I have waited 21 business days. I have made a call for over three weeks and am on hold for as long as 4 hours and NEVER get a representative to answer my call. I have tried at XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX. 
The company is supposed to be open 24/7. 
I cant believe the representatives have an over load of clients needing help at the times listed above. 

Please help. Because I cant access money that has been awarded to me with out this debit card I have went without my XXXX, XXXX  and XXXX XXXX medications for over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I enrolled into XX/XX/XXXX on XXXX Tenn. XX/XX/XXXX My spouse enrolled in XX/XX/XXXX. I graduated top in my class on XX/XX/XXXX.My spouse graduated XX/XX/XXXX.We set out after acquiring our license to open XXXX and make lots of money!!! I discovered the theft of all our financial aid and loan monies in XX/XX/XXXX. I had already been given the run around by corporate many times prior to this date. I couldn't figure out why I was having problems as I attempted to work in the XXXX XXXX to feed my family? I discovered that these people had enrolled me into their XXXX NY campus, maxed out a {$30000.00} financial aid and loan package and said, '' transferred ''? Presently they are cyber and physically stalking me and my spouse. Call into all job opportunities getting me terminated. I last worked as a XXXX  XX/XX/XXXX in XXXX TN for XX/XX/XXXX on XXXX XXXX an affiliate of XX/XX/XXXX where I was wrongfully terminated and my commission monies over XXXX dollars was seized. License as well. Are these criminals above prosecution? XXXX XXXX XXXX stole my and my spouse identities upon enrollment. They still have it!!! We are presently XXXX  living in rest stops trying to get these criminals off our backs!!! EEOC case # 's XXXX ; XXXX ; XXXX are still active matters ( EPA  ) that these criminals seized control over!!! XXXX was a matter where I was ran off my job as a XXXX  for XXXX XXXX in XXXX XXXX XXXX in XXXX TN. My spouse was employed here at this XXXX XXXX XXXX   prior to myself. She resigned because of harassment and bullying. I began working there.XXXX XXXX XXXX/XXXX   is the leader in the XXXX  XXXX  as a result they break all the rules regarding discrimination!!! They bribe anybody " on the take ''. Vicious unethical criminals!!!

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 2019-07-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
TD Bank Card Services. 

On XX/XX/2019, Credit Card was reported to Bank as Lost/Stolen. Upon further review charges from XXXX on XX/XX/2019 for {$170.00} and XXXX for {$150.00} were charged to my account. TD Card Services was alerted that these charges were not made by me and my card was reported lost/stolen. 

TD Card Services refuses to credit these unauthorized charges and will not provide any documentation of what the charges were for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-12
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an installment loan with Lendmark Financial Services. I have made monthly online payments for eight months or so without incident and have reduced my outstanding balance to {$250.00}. This month however, I logged in to my account portal and when I click on Make a Payment for this loan, I get an error message that the service is temporarily unavailable. I have attempted to every day the last four days and received that error each time. 

Today I contacted an online rep and called my local branch, and both times the person on the phone stated, " it's always been like that for the last payments. '' They suggested paying by phone but would not take my debit card like the online portal does. Their only other option is to pay in-person with cash, but I'm reluctant to go as my household has essential workers and I'm high-risk for Covid-19. 

I asked repeatedly for their reasoning for why they would not accept online payments at this balance or why they did not disclose to me that my access to a payment service was contingent on my balance. Lendmark failed to disclose that I should expect to be denied a payment service because I was using it to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I dispute many times and they never solve the issue. I call Equifax by the first week of XX/XX/XXXX and submit personal documents. They never answer. I dispute Inquirys from, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Also Equifax had change my name for XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: The CMI Group, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Checking in my XXXX XXXX account, which I do often, saw a new derogatory mark for a certain Credit Mgmt that lowered my score by 8 points. I have no idea what account it refers to, since I'm very careful with my payments, as my credit history surely shows. I would like to know what account was left pending, so I can either dispute or comply, so the derogatory mark is erased form credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have tried contacting Transunion multiple times about how I can't pull a credit report through their services. I am able to get my credit report through XXXX   and XXXX  without issue. 

I have called multiple times to be told that the issue is with my bank reporting my information to them, however, this is false because I have credit cards with two banks and student loans through a different bank. 

I have sent requested documents verifying my identity only to receive additional letters asking for the exact same information, despite me including this information in my complaint. 

They closed my investigation and I still do not have a credit report through them. THhis is my second CFPB complaint with Transunion.

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 2018-06-08
Company: Navient Solutions, LLC.
State: IL
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 have requested an updated payment amount since XX/XX/XXXX. In XX/XX/XXXX I  paid off a loan and requested my remaining loan have the same amount taken out each month since you can't customize the payment amount on the website. I called and spoke to a representative and my payment was not updated. When the payment processed on XX/XX/XXXX, it was only half the amount so I emailed them again and received a generic response. On XX/XX/XXXX I finally received a response stating they will update my payment to the amount I requested in writing. XX/XX/XXXX payment on XX/XX/XXXX was the only payment that processed at the correct amount. XX/XX/XXXX it reverted back to a smaller payment. They keep taking out less than I requested and as a result I am accruing more in interest and my estimated payoff is months longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, addresses, names and did not authorize companies to run my credit. Please remove them.

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 2019-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}

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 2018-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
Portfolio Recovery of XXXX, VA reported old information & old XXXX XXXX account I already disputed and had removed previously. I need this removed from both XXXX  and XXXX again as I am in the process of repairing my and maintaining my credit score and this causes significant damage that they previously agreeed to remove. I have settled the old collection account and now have a new secured account with XXXX XXXX that is current and 100 % positive in order to increase my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
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:
There are acounts listed on my credit report that do not belong to me. There are also inquries that do not belong to me. Remove these accounts and inquiries and do not allow fraudulent info to be reported on my credit.. Please send a copy of my updated credit report. 

To remove these fraudulent acounts fom my credit report, along with these unauthorized inquiries. Please send an updated copy once these items have been removed.

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 2018-06-11
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX   XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX a fee of {$450.00} dollars was charged by Navy Federal Credit Union for an appraisal. I was dissatisfied with the service and canceled the appraisal and closed with a different company. Navy federal has refused to refund the {$450.00} dollar charge and can not provide the appraisal since it was never completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is a paid child support with {$0.00} Balance account NYS Department of Social Services,  showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and NYSDSS. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.

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 2020-11-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchase some open box merchandise from BestBuy. Merchandise was labeled as includes everything except the manual. When I got it home it was missing all of the mounting hardware. Attempted to return merchandise but I was informed they do not do returns on functioning items for missing parts. Parts that are missing are needed for installation though. When I returned to the store they had several other open boxes of the same items and I suggested they just pull the missing items from another one and relabel that one as missing items. They said they could not do that and that I could only bring back a non functioning device. It seemed like he was telling me to go home and break the item then return it but this seemed dishonest. I just wanted the mounting hardware. 

Filed a dispute with Citi Bank which had no activity for over two months. I called to complain and within a week was told the dispute was closed and I would have to refer to the store policy on returning merchandise. I provided the receipt that clearly showed that nothing but the manual was missing.

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 monetary relief
Consumer complaint received 2020-10-10
Company: COMMERCE BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Excessive calls 15-20 times a week is harassment for past 60 days. I filed a chapter XXXX bankruptcy already this is a legal violation of my rights. I advised all concerned this is violation of automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ALL CREDIT AGENCIES REPORTING ID FRAUD ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX, XXXX XXXX XXXX, XXXX '', WELLS FARGO, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX ID FRAUD ACCOUNTS FROM CREDIT FILE 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 non-monetary relief
Consumer complaint received 2020-06-26
Company: EQUIFAX, INC.
State: NV
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:
THIS IS LAUGHABLE AT THIS POINT, EQUIFAX AND ONLY EQUIFAX CONTINUES TO REPORT NEW UNVERIFIABLE UNIDENTIFIABLE INFORMATION AND ITEMS ON MY REPORT SINCE THE START OF 2020, AND AGAIN, THIS XXXX XXXX XXXX AUTO LOAN ACCOUNT DOES NOT BELONG TO ME. IT IS BEING FALSELY REPORTED AND HINDERING MY CREDIT SUBSTANTIALLY. THIS DOES NOT BELONG TO ME. I WAS NEVER SENT ANY TYPE OF ALERT OF THIS ITEM OR HAVE I BEEN SENT ANY FORMS OF VERIFICATION FOR THIS ITEM SINCE I DISPUTED IT. UNDER FCRA 809AB LAWS, EQUIFAX HAS NOT BEEN HONORABLE. I AM POSTING THIS TO BE CERTAIN EQUIFAX NEXT ACTIONS ARE BEING SUPERVISED AS I NO LONGER TRUST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is a paid child support with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.

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 2022-08-10
Company: American Credit Acceptance, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I have sent them a money order for over XXXX to cover my payments. They said they would be investigating why the money was not credited. This is the third time I have had issues with them to get my account resolved. The last date of repossession was XX/XX/2022

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