BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO XXXX, TRANSUNION, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY XXXX JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I move to my new address almost 3 years now. Before moving I did a change of address so that I could receive my mail. I started working contract work for XXXX XXXX. before working for XXXX XXXX, they did a credit check on me. While doing a credit check, I found that a collection agency by the name of Simons Agency Inc had a numerous of medical bills on my credit report that I never received at no time. After further review, the medical bills where mine but I never received any bill for them in the mail. I maid a paid to settlement to Simons Agency Inc. All my debt was paid off but Simons Agency who said it would be removed from my credit is still showing on my credit report now as a negative. I attempted to contact them to remove it from my credit, but they refuse to remove it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Kimball, Tirey & St. John LLP
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During my tour in XXXX I had several issues with XXXX XXXX housing. The move out charges that are quite expensive and often lowered once they are confronted about the discrepancy of their claim. In XXXX, I paid this move out fee, with email confirmation from a representative from the housing office confirming that we were paid in full. I also have the bank statement showing the money was paid. During the month of XXXX to XXXX I started receiving letters from a law firm requesting that I pay my debt to XXXX XXXX housing. They claim that I owed {$250.00} but provided no justification to my debt. I was unable to contact the law firm and every attempt to reach out to XXXX XXXX housing was met with silence. I did reach out to a community service rep from XXXX XXXX XXXX who claimed that she forwarded my email to the higher office but I never received any further correspondence. I sought out assistance from the legal assistance office here in XXXX who has also been unable to contact the collection firm or the housing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
For months now, I have been patiently waiting for my account from XXXX XXXX XXXX to merge to my Nelnet account. But now, when I try to login, it says " user not found. '' But I am certain I created an account. And I am also certain that I'm putting my credentials in correctly. I proved it by adding my social security number and date of birth and it still says that there's no account found. And I know I've logged into it before when I first initially created the account before the merge process. Every time I try to call Nelnet, there is an egregiously long wait. At XXXX point, I waited more than XXXX hours and finally hung up because I have important things to do with my time then to wait and try to correct an issue that they themselves created. I have been trying desperately to either put my account into forbearance, or to have the lowest payment possible because I don't have a job at the moment. But thanks to their messed up system and a lack of customer service, interest keeps accruing and it is unfair to me that they are seemingly trying to steal money from me by forcing interest to keep accumulating. I feel as though they should offer me some sort of compensation in the way of waving a couple of months of payments or something because this has been more stress than I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: PA
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 never gave no consent written or orally to use my information as a federal protected consumer I have the right that this information be removed it dont belong to me. This is alleged obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my account was hacked and funds were instantly transferred to someones account through XXXX XXXX. It was out of the ordinary for my history. My phone line was hacked and i sent them proof of the calls. I was a victim of scam and my bank is refusing to be the slightest bit of help. I have sent them police reports, my statements, call logs to prove i was compromised. This all happened when i received a sketchy email from XXXX. I called to report it ( the XXXX support line from their legit website ) and from there the line was hacked. They took all my information and were able to send money to anyone. I work under XXXX would never do something to compromise my licensing XX/XX/XXXX Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter from the bank closing my account without any explanation. I called the bank and was not able to get an explanation. This reminds me of the redlining the banks were doing in the 60th and 70th. I tried to contact the management staff included XXXX XXXX, which I am contributing to his XXXX XXXX compensation and was stonewall. All I want to know is why, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If there is a mistake of some sort, it can be corrected if I have the information. Please have someone to communicate the requested information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX A ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: MD
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 am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 is missing that should be on the report

Complaint:
On XX/XX/2022 I applied for an mortgage loan with a major bank. I authorized to pulled my credit reports. The bank told me that my mortgages aren't on my credit reports. I have my current credit reports. I explained I had these mortgages for years. On XX/XX/2022 I contacted my two mortgage companies by fax : 1.Community Loans Servicing, LLC advising monthly amounts {$1700.00} not being reported and 2.XXXX XXXX  amounts {$1500.00} not being reported. I have the letters that was faxed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They take= mod and put back on every time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I would like to reopen case XXXX. I have attached to this document a new article in which Navient has forgiven {$1.00} XXXX dollars of loans. The nature of the other case was that Navient alledgedly couldn't find my payment and violated 15 USC 1681s-2. I was notified that i was one of those consumers affected by the loan scam. And now " Navient Refuses to remove the negative derrogatory marks off my " XXXX '' report. I would like the CFBP to make " Navient '' DELETE the negative remarks from " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). 

Related to # 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 2023-06-19
Company: Experian Information Solutions Inc.
State: GA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-09-14
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I attempted to log into my Marcus by Goldman Sachs personal savings account at which point I discovered it was locked. I then immediately called the customer service number listed, and after waiting for a cumulative time of 23 minutes on hold, I was unable to be transferred to the specific team who had closed my account and would need to reinstate my account. Customer service then told me that this specific team would call me back " at some point '' and that there was nothing I or they could do in the meantime. I then requested to transfer my funds out of the account so that I could close the account and terminate my relationship with Marcus by Goldman Sachs, however, the customer service team told me I could not do that. As of now, Marcus by Goldman Sachs is preventing me from accessing my funds without providing any explanation and without allowing me to reach the team responsible for locking/unlocking my account, therefore I am requesting the CFPB 's involvement to investigate. 

Additionally, on XX/XX/2021, when initiating a small transfer of funds from my Marcus by Goldman Sachs account to another personal bank account at another financial institution ( which I am the account holder of ), I received an unorthodox call from Marcus by Goldman Sachs informing me that I needed to provide a phone number for the receiving financial institution in order for the transaction to be reviewed and completed. After inquiring into the nature of this unorthodox request, I provided the customer service phone service number of the receiving financial institution ( which is obtainable via a simple internet search ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage bought my loan from XXXX on XX/XX/XXXX. XXXX informed us in XXXX, but we heard nothing from Freedom until our payment was almost due and then only after making a number of calls. 

Since then, weve had nothing but trouble. Bills are late, not sent, or doubled. ( We have yet to receive the XX/XX/XXXX bill ) Payments made but not applied. The monthly rate has gone up despite our years of payments. 
Despite numerous tries, ( correctly executed on our part ) their online site wont accept our account number ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and in calling by phone ( XX/XX/XXXX ), we were left holding for 14 minutes and then sent to an empty extension. 
I will sell the house rather than continue with these unprofessional charlatans, but in the meantime, please note this complaint.

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 2021-12-10
Company: EQUIFAX, INC.
State: MD
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 am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
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:
I recently took a look at my credit report and notice several trade lines that don't belong to me. XXXX and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.

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 2021-12-10
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I'm going to do two things today 1 ) give you the first complaint number which conveniently for the lender falls in line with exactly what the are doing which is taking of the customer because the CFPB dropped the ball - left your rules open ended for all Closed loans and let Lenders dictate unfair terms to the very people your suppose to protect so here that is XXXX. 2 ) I did also file a complaint with another federal entity. 

At the end of the day Ally is banking literally on holding my money for 60 days, it matches your policy exactly. Ironic. 

Who knows I am suspecting interrupting a XXXX  dollar loop hole isn't popular. 

Lots of other people are hurting by your choice to just not complete your job. 

Anyway haven't heard a thing from Ally other than an updated lean statement, but yet my money sits in their accounts alomst a month already. Imagine how that money is being leveraged. 

Anyway I do suspect you are doing this job for the right reasons but when your first response is to put in the party who is taking advantage of the consumer- doesn't that just not seam right? 

Thanks for your time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The following account are reporting as charged off, an I havent received my XXXX C form for other account. An because of that fact the account is inaccurate and has to be removed. The account are XXXX XXXX XXXX, AND 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