BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I attempted to dispute a fraudulent credit card account on my credit report with TransUnion. Yesterday I was notified that I am being sued by a collections agency for the outstanding balance on the fraudulently opened account. TransUnion did not investigate the disputed account and did not notify me that they were not investigating my dispute.

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 2021-02-06
Company: EQUIFAX, INC.
State: TX
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 contacted Equifax and XXXX XXXX XXXX several times. I was asked to submit lease, utility bill, and identification to prove that I didn't open an account. The address that the card was sent to is not my address. My lease states that I have been in my current location since 2016. I want this information updated It is unfair to me to have inaccurate information on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There is information on my credit report that does not belong to me. Specifically, an account with XXXX XXXX ( account no. XXXX balance {$3500.00} ) and two ( 2 ) XXXX XXXX accounts ( account no. XXXX balance {$960.00} ; and account no. XXXX balance {$610.00} ). I can not count the number of times I have contacted these four ( 4 ) companies to report fraud and ask for these accounts to be removed. Yet, they continue to be listed on my credit report in violation of FCRA guidelines. I have already sent my FTC report to these companies and the accounts should have been removed a long time ago.

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 2020-05-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX XXXX. I sent {$140.00} including the fee to XXXX for a poor family, on Saturday dated XX/XX/2020 at Walmart XXXX, Texas. The Walmart store number XXXX and the address is XXXX XXXX, XXXX, Texas XXXX . 

Since I sent the money I called the receiver in XXXX that they would receive the money in one hour as promised by Money Gram. But when they went to the Bank next day morning The bank told them that the money is not available. 

So I called Money gram since last two days. But after two three hours somebody pick up the phone and would tell call will be transfer to specialist. And put me in hold. after on hour the call automatically disconnected. 

So I went to the Walmart since they have the responsibility. The manager told me they don't have any responsibility. They advised me to call the Money Gram.. 
So nobody has any responsivity. 

Money gram customer service number : XXXX a fraud number.. 

So please look in to this sad situation and get my money back. I feel this is cheating and breach of faith too. 

The reference number is : XXXX and the receiver name is XXXX XXXX XXXX . 

Yours faith fully XXXX XXXX XXXX Cell : XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: EQUIFAX, INC.
State: CO
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:
To whom it may concern, I have tried several times ( 4 to be exact ) to get XXXX XXXX, XXXX, Equifax, and XXXX  to investigate my credit file as they are reporting inaccurate information. I noticed that they were reporting bankruptcies on my credit file that they received from XXXX which I noticed was also reporting inaccurate information to XXXX XXXX, XXXX, and Equifax. I contacted XXXX by mail, and they advised that XXXX XXXX, XXXX, and Equifax has never responded to their request to initiate an investigation into the inaccuracies that they have been reporting. I have attached letter correspondence between XXXX and I which states that they reached out to all 3 credit bureaus who are simply stating that they will not re-investigate their inaccuracies. I have also put a freeze on my XXXX file until the inaccuracies are fixed by XXXX. I have contacted the bankruptcy courts who stated that they did not report any court filings about me containing my social security number to XXXX, XXXX XXXX, Equifax, or XXXX. Note that I am a " Junior '' and my father shares the exact same name and addresses attached to his credit file. If the original source of those reports ( The Federal Courts ) is stating that they did not provide any information to either of those bureaus regarding any cases, if any that I'm involved in, then how is this being reported on my credit file? Since XXXX, Equifax, XXXX XXXX and XXXX  have all refused to correct those inaccuracies, I am filing a complaint with your office. I have also attached all USPS certified returned confirmation slips that confirm that all four credit reporting bureaus received my disputes and refused to follow the guidelines set forth in the Fair Credit Reporting Act. 

I have also contacted Equifax, XXXX  and XXXX XXXX in reference to a collection account that was added to my credit file without me receiving any notification of this collection account. I have sent four dispute letters to each agency and only Equifax corrected their file to report accurately. Equifax conducted the proper investigation into the frivolous collection account and removed it, then why are the other 2 bureaus refusing to do the same? Any assistance from your office to get these credit bureaus to conduct proper investigations into inaccuracies on my credit files would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Colony Brands, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted 3 disputes with the company they got back within one day saying it is my debt when it is not the address is not even the address where I live nor is the phone number mine they have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Bread Financial Holdings, Inc.
State: TX
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-06
Company: Sequium Asset Solutions, LLC
State: TX
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:
XXXX has already been notified that XXXX  XXXX university is improperly collection {$150.00} and it has been removed from the XXXX  credit profile listed in my name previously, i need this to be reomved immediatly as it has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Navient Solutions, LLC.
State: ME
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 made a {$400.00} loan payment on XX/XX/18 as of XX/XX/18 it ad not been posted to my account. I contacted Navient and gave them my account number XXXX and the confirmation of the payment XXXX. They placed me on hold for 7 minutes then came back and said that all the account information was correct but had 2 different account numbers listed and they couldn't explain why. After another 11 minute hold they told me that the payment was just not processed after it was received. I was told that my payment was sitting in a holding account and just wasn't applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Conn's, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I bought a new vacuum cleaner from a company out of XXXX, Texas. Their name is XXXX XXXX XXXX XXXX. Their clientele are people with bad credit. When you finance something with them, there are all the hidden fees, insurance fees, {$50.00} for this {$20.00} for that and an interest rate of 45.51 %. 
When you are down on your credit score, the
y help you to stay down. Three credit checks in 1 week, my Credit score dropped 10 points. 
Oh, this company does not put any of your account information on-line you have to go their website and " request '' a " Loan Ledger '' in order to get financial information out of them. 
The price of the vacuum cleaner was XXXX with all their hidden fees, finance charge, payments for 2 years, the total cost of the vacua cleaner will be {$1200.00}. DOUBLE the cost of the vacuum cleaner. 
So my monthly payments are {$51.00} for 24 months. 
My first payment was for {$300.00} and I ask for a " Loan Ledger "  and received it. 
My second was a payment of {$500.00} with XXXX XXXX debited my account on XXXX XX/XX/XXXX, and Conn 's accepted payment on XXXX XX/XX/XXXX. As of today XXXX XXXX they have not credited my account. It probably didn't help that I was going to get a lawyer and sue them. 
I use XXXX XXXX/XXXX  bill pay. Never had a problem with any of my payments until now. I assume that they are holding my {$500.00} deposit so that they can say that I did not make a payment and charge me a late fee. I am trying to pay them in full, but they are not cooperating. 
The solution is I need and up-to-date balance AND for them to credit my {$500.00} payment. 
I XXXX  military, 35 years, I have XXXX and they are treating me like a second class citizen. And yes the law suite is coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Navient Solutions, LLC.
State: MI
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:
( 1 ) Is SallieMae Education leads us logo a register logo of SallieMae Mae Bank? 
( 2 ) SLM Education Loan Corp is registered to SallieMae Bank correct? 
( 3 ) The FFLEP Application and Promissory Note Consolidation dated XX/XX/XXXX has no Lender Website written. ( 4 ) So the Promissory Note was not sent to SallieMae electronically? The Promissory Note is Read Only and can become typed in only in the Lender Website? The WEB means you can only print the document from the WEB and mail in only. SallieMae has showed no evidence that the Note was sent electronically. SallieMae has only showed the document was printed from the company. There has been several articles and cases were SallieMae/Navient typed fake Promissory Notes. Navient you have given no documentation that the Promissory Note was sent electronically. The Higher Education Act requires the lender to keep an electronic record by establishing a third party to verify the signatures like XXXX  etc.? The Lender also have to keep record of the student PIN number and secret ID? Navient you have not produced any? The Higher Education Act requires all Promissory Notes to be done in the Lender Website? The website would be displayed in the upper right hand corner so the document would be able to write in a secure manner and the third party signature app. Navient I see none. You can XXXX the form XXXX NO XXXX Exp date XX/XX/XXXX ) ) and print the same form but you can not type in it? Only the lender website can make it type in and their is no lender address on the Promissory Note? That is one way makes your Promissory Note a Fake. The Higher Act requires the Lender addresses? Navient produce the signature verification app?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
I have an excellent payment history with my payment accounts, credit cards etc. It started last year that XXXX XXXX  said they received information from XXXX  that I have sever delinquencies. I reached out to XXXX  and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and Synchrony bank closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.

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 2020-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have submitted multiple disputes with Experian credit reporting because I had a debt from XXXX XXXX XXXX that i have paid off in full and have supporting documentation proving from the debt agency that the debt was paid in full as of XX/XX/20. They have failed to remove and no one is getting back to me. I am one person doing right paying off my debt but experian is failing to do their part and report correctly as debts get paid. 
The dispute department fails to respond and report accurately this is a problem especially when people like me pay debt off and it takes for ever for our scores to go up because people fail to do their job correctly. I need this taken care of 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 explanation
Consumer complaint received 2020-08-28
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with OCWEN LOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and OCWEN LOAN with no successful resolution. XX/XX/XXXX and XX/XX/XXXX reporting me late. There was definitely an error on their part. I was never 60 days late (XX/XX/XXXX-XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20, I contacted Macy 's about the 4th letter that I received about a denial of my request for a credit limit increase. I spoke with several representatives and was told that I had a fraud alert on my account and I insisted there was no fraud alert. I advised that I had spoken to all of the bureaus and was assured there was no alert. I still wasn't provided the chance to get an increase to the original limit that I had when I opened the account. I spoke to a representative who pretended to call my phone number on file but no call came to the phone and he closed my account. I called back in upon learning that my account was closed and requested that it be reopened but the supervisor that I spoke to told me it couldn't be done due to outside reasons which was what I had been told about the credit increase. I then received an alert from XXXX that my credit file had been accessed and it was Macy 's. All of a sudden they could access my credit file. I feel that I was treated poorly by Macy 's and their customer value is at an all time low.

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 2018-02-13
Company: PNC Bank N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was approved for 2 credit cards with PNC Bank. A personal for XXXX and a business card for XXXX. Seemed fine. I had an emergency back where Im from so i had to move shortly after from XXXX  back to XXXX. Im a new XXXX XXXX, and am eager to do things right, but had no coaching on how to manage finances so I was excited to be a new client with PNC. Little did i know that this conservative Bank would profile me, and close both of my cards indefinitely and told Bank managers that i work with on my accounts that there was a lot of fraud on my cards. I do admit that i had to use my personal card to do business transactions at times, and my business card to do personal transactions at times. Mainly because their fraud department would decline my transactions per one or the other card, leaving me with not much choice other than using another card. I was treated as if I was doing something illegal, when in fact, I was just trying to start my year, and my new business off on the right foot. This was unfair, and I am being punished for not following rules that I didnt know existed. They said i should not have bought pizza ( for an event that my business was holding ) or gloves for my kids ( when my personal card wouldnt work ) with the card i used at the time. Now my cards are both closed while Im in the middle of a project that I got the cards for in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
i have a car loan with usaa my name is XXXX XXXX ss XXXX and its also under XXXX XXXX XXXX i was in the hospital in XXXX in XX/XX/XXXX so i was 48 days late making my car payment i stayed in touch with them and let them know that my husbanded the bread winner is in hospital i have no power of attorney over his affairs till now they told me as soon as i got out if i ought up with all my payments they would remove the late payment for XX/XX/XXXX since then i have not only made XXXX payment im all caught up i have it set on auto pay to pay my car note I'm sorry as you can see my husbands report XXXX XXXX XXXX dob XX/XX/XXXX that he has never missed a payment with any card and or account this is the first and last time and its due to crono virus however it is still showing as 30 days late for XX/XX/XXXX and im mall caught up they promised me it would me removed now they are saying take it up with credit agencies all 3 of them they lied to me anyways i just want thhe latye payment taken off my car loan account with usaa for XXXX thank you im all caught up on payments i have a dr note stating i was in quarantine in XXXX of XXXX i held my part of the deal now they should keep there end of the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In mid-XX/XX/XXXX we discovered we had a number of delinquencies on our XXXX XXXX XXXX XXXX account that was creating difficulties for us in getting a new mortgage loan. We hired XXXX XXXX to intervene on our behalf. Upon receiving our credit bureau reports in XX/XX/XXXX, we found that our XXXX account had late payments showing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX depending on which service one looked at. We disputed these results through XXXX XXXX. XXXX XXXX disagreed with our dispute of these entries. We then spoke directly to XXXX XXXX in late XX/XX/XXXX and protested the treatment. We walked the credit person through reports issued by them, and got the on-line person to agree with our conclusion. They said they would submit a dispute to their internal XXXX XXXX XXXX in XXXX, MT. We received a response from XXXX in early XX/XX/XXXX ( letter dated XX/XX/XXXX ). The supporting detail provided listed due dates and payment received dates. They omitted the amounts received on the payment receipt dates. Had they taken the receipt date and looked at the amount received, they would have concluded that there were no late payments since we were making timely payments and advance payments for the next period on the same date. XXXX completely failed to match up amounts due with amounts paid. 
This has resulted in a lowered credit rating than we have actually earned. We subsequently twice appealed via fax to this group in Billings that will talk to no one but have never received a response. This was on XX/XX/XXXX and 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 explanation