BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a copy of my credit report and found the following item to be in error.

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 2018-12-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX   Closed Credit Card Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, 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 information incorrect

Complaint:
My credit score recently declined with Equifax. From XXXX to XXXX. I used a line of credit that was already open to pay off other higher accounts. They apparently saw the increase on one side but have not recognized the subsequent decrease and immediately dropped the score. The amount of credit used did not increase only shifted to another lender.My attempt to get thru to a live person to go over this has been useless, and they tell me that NC is not a state I can get a free report in via the automated system I have tried to connect with a human on three occasions and that option is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: PNC Bank N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PNC bank had recieved notice that i wouldnt be able to financially keep a vehicle so i did a voluntary repo. My wife lost her job due to working overseas and the covid situation over there shut her down. I lost a big amount of income and pnc bank wouldnt help me or anything to continue loan such as modifying vehicle payment. Ive sent out documents requesting my contract information and all above. I have tracked the mail as well. I even called coorporate and no one will send me information on this. I disputed these things with XXXX  XXXX  and XXXX because they keep saying i paid something on it and i never did. That account has wrong information and for the laws they are required to remove it unless proven otherwise. No one has proven anything and pnc bank will not send me my contracts or anything. Please help i dont know who to turn to because pnc bank are doing illegal things especially i never made a payment and they said i paid XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint involves company XXXX XXXX XXXX XXXX who is illegally and it's two collection companies XXXX XXXX and Diversified Consultants. In XX/XX/XXXX I contacted XXXX consultants and requested validation of a {$830.00} debt as it is invalid and does not belong to me. They were unable to validate and removed it from my account. XXXX XXXX XXXX XXXX then sold the debt to XXXX XXXX in XX/XX/XXXX. Once again I had my attorney send them written request to legally validate this debt as it's invalid. XXXX XXXX responded by removing it again from my report. For a 3rd time in XX/XX/XXXX it went back to Diversified Consultants who again I sent letters of validations. As of XX/XX/XXXX it was removed from my credit as invalid. 

Today I was notified by my credit monitoring service that for a now 4th time the debt has been transferred back to XXXX XXXX who is illegally reporting this debt on my credit report. I have asked them on two previous occasions to valid this debt and they have not. 

I have also contacted the original company XXXX XXXX XXXX XXXX directly about this debt on XX/XX/XXXX and XX/XX/XXXX and the information they provided was that this debt is for equipment charges that was not returned. I provided copies of the receipts at that time that the equipment was returned using their requested method which was XXXX. Tracking numbers were XXXX and XXXX. The customer service rep advised she could CONFIRM that it was returned and the equipment is now being used by another XXXX XXXX XXXX XXXX customer however I am still being charged for it as unreturned. I requested to speak with a manager and explained to that manager how could it be legal to charge me for unreturned equipment when you have confirmation it was received AND that it is now being used by another one of your customers. If I am being charged {$830.00} for equipment that equipment should now belong to me as my property not being used in the home of another customer. The manager at that time resolved the issue by having the collection companies remove it. Unfortunately however they wait a few months and trade it back and forth and place it back on my credit report to damage it. I have to keep battling the 3 companies together from damaging my credit report. 

I ask that you please assistant me with FINALLY resolving this illegal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
As of XX/XX/XXXX PayPal sent me a message saying limitation to my account because of a case on my account which I didn't have any idea of the following weeks I reached out to them to resolve my account and as of today XX/XX/XXXX I received a email from PayPal stating that I no longer have access to my account because of malicious behavior which is ludicrous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The credit reporting agencies is not updated my credit file my car loan is not on all three of my credit reports

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 2018-04-30
Company: EQUIFAX, INC.
State: FL
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:
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We began the process to refinance our only home in XX/XX/2020. XX/XX/2020 we were told we were approved, and then sent a letter. Over the next few months, we heard nothing. I called many times, left messages, finally someone told us we needed to send them more documents. I did so immediately. Again, we heard nothing more. By mid-XXXX XX/XX/XXXX I called the gentleman who initially helped us AGAIN, his immediate supervisor, and HIS supervisor. NO ONE EVER CALLED ME BACK! Finally, early XXXX, XXXX XXXX called us, apologized for not being in touch, he was busy, it may take another 15-20 days before he contacted us again! I asked about lower rates, it had been 5 months, and we would like to know how to change the rate and/or when would we close. He sent us a letter the following week, ran a hard check on our credit scores, after us waiting almost 6 months with no word on the status! Our scores were affected bu the credit pull, so we knew we could have other companies di the same without penalizing our scores. Basically the entire process would be restarted, they requested the same documents we had already sent!!! Instead of starting over and dealing with them further, we gave up, called XXXX XX/XX/XXXX got a person to help us, who calls us at least weekly, and explained everything we needed to submit. At this point, we have paid another application fee and the {$900.00} we had to pay for Citi to work with us -- it was all in vain! No one would ever return our calls. I filed complaints with the 800 number at Citi, to this day no one has ever called or contacted us in any way! I feel that we were treated unfairly, our out of pocket expenses of {$900.00} were very hard on us. We are both seniors with fixed incomes. Through no fault of ours, Citibank Mortgage failed to close with us or contact us in any way over the 6 months we worked with them. I have the letter dated XX/XX/2020 they initially mailed us to prove the date we began the process. We also made XXXX and everyone we tried to reach that being XXXX years old, we had no email addresses we could access or use. They would have to call us or mail us hard copies. We were assured this wasn't a problem! We feel duped and that our {$900.00} in fees were wasted as Citibank Mortgage had no intention of ever settling with us in a timely fashion. I have called lately to request our funds be returned, no answer or returned calls as of this writing. My daughter will accept any emails pertaining to this issue, and will be listed on 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 2021-07-19
Company: EQUIFAX, INC.
State: ME
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:
EQUIFAX and XXXX Continue to List a XXXX XXXX  Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put XXXX in XXXX of XXXX when the " First Delinquency '' as per XXXXXXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXXXXXX XXXX  XXXX ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I pay late each month so a late fee is applied. I have paid mid month every month and included the late fee in my payment. The company is applying the extra I send for fees to principal. I have requested to have the payments reversed and applied correctly. The company states that unless I pay on time they will not apply my extra funds to the fees. I have never paid outside of the month due so there is no need to hold the funds to pay the payments/principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the XXXX XXXX XXXX XXXX  in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be 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 2019-09-13
Company: Experian Information Solutions Inc.
State: AL
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 received a copy of my credit report and found the following item to be in error.

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 2019-09-13
Company: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Some one called my by the name XXXX XXXX and he kept saying there was a complaint with his client, but never revealed their name, and told me I had 48 hours to respond or they will pursue a lawsuit. This was on Tuesday XX/XX/XXXX. Then he called back yesterday ( XX/XX/XXXX ) and said he will treat this as none responsive. And i called the XXXX X XXXX and the recording said this is Clear View Resolutions, but the man said a different company and it sound like his voice was reading from something while telling me about the procedures. I have talked to an Attorney and he said they suppose to tell me who they are calling for and how much debt it was. So he also told me i shouldn't call back until he gives more info. It sound like a Scam, but he shouldn't be calling me and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I have been going back and forth with CAP ONE AUTO FINANCE in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
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: Personal information incorrect

Complaint:
I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Navient Solutions, LLC.
State: FL
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:
They keep calling me trying to tell me I qualify for loan forgiveness and when I call they tell me it is only for over 10 grand in order to qualify. I keep getting harrassed by phone calls even still after I told them to stop calling me anx telling me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, INC.
State: MN
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 is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, XXXX and Equifax. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.

Company response to consumer: Closed with non-monetary relief