BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that the credit reporting agency correct my address and I was told that I need to contact my credit company and I have and they have, but I believe it's the responsibility of the credit reporting agency to have up to date personal information on my credit report and remove items that don't belong to me and they have failed to do so.

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 2022-10-20
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan is with XXXX. It is a federal XXXX XXXX that the federal govt sold to XXXX XXXX and then to XXXX. Now Im trying to apply for the XXXX XXXX XXXX XXXX. Their servicer is now Mohela. They are a big problem. You spend hours on hold. They lost at least one application, the 2nd wasnt legible due tio theyre ink from their fax machine. No way to send online if servicer is through XXXX, I had to finally send a 3 application through the mail. Now they are telling me the 90 days to process starts all over again when the issue is them! XXXX is another issue and they are also apparently holding up the process. Ive been paying on my loans for way more than 10 years, at least 15. Im now also paying on my daughters student loans, if this tells you anything, Im very frustrated with the process. Ive been in public service for many years and am just in need for relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 repeatedly attempted to rectify my identity theft issues with the CRAs and they continue to willfully non-compliant.

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 2022-10-20
Company: DISCOVER BANK
State: AL
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:
In accordance with the fair credit reporting act Discover and XXXX XXXX  have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-07-25
Company: PNC Bank N.A.
State: AL
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/ an unauthorized transaction of {$43.00} charged to my PNC checking account. I filed a dispute with PNC 's dispute department on XX/XX/ once discovered and was told it would tae about 90 days to research. A written communication from PNC 's dispute department stating the dispute had been resolved and that my funds will not be returned to my account because they found no error. I was mortified and refiled the dispute on XX/XX/XXXX XXXX The dispute was denied XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/ XXXX XXXX To date they have not received the unauthorized transaction. In a phone conversation with XXXX, PNC dispute department, on XX/XX/ I learned PNC only returns unauthorized funds when they recovery their funds. This is unconscionable. This bank, as all banks, is covered with protection for loss by FDIC. I am not. Dispute denials furnished upon request. 

I must have my {$43.00} returned to my account and feel PNC has no loyalty to me as a depositor and I am not happy. I DID NOT MAKE THIS TRANSACTION NOR DID I AUTHORIZE IT. ONLY YOU CAN ASSIST BASED ON RECOMMENDATION FROM OFFICE OF THE COMPTROLLER OF THE CURRENCY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with fair credit reporting act XXXX account # XXXX, account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-11-12
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe my mortgage servicer, Freedom Mortgage of Indianapolis, IN, conducted their annual escrow account analysis incorrectly and have attempted to collect a higher monthly amount than I legitimately owe. I spent one and one half hours on the phone explaining to their agents the source of the error but the agents on the phone clearly did not understand the analysis. Since then I have written two letters to them, detailing the problem but after taking two months to respond to the first letter and another month to my second letter, they still have not even attempted to understand or acknowledge the source of the error. In the meantime, they have continued to hit me with monthly {$130.00} late fees even though I have been making my principal, interest, and undisputed escrow payments in full and on time. The monthly escrow amount in dispute is only {$85.00} so it seems rather unreasonable to continue to charge {$130.00} late fees while they are taking as much as two months to respond to my letters. The letters are unsigned and I have not been put in contact with a named individual with contact information in order to have a chance at understanding each other 's positions. Now they are sending me foreclosure notices on my property. I am starting to think Freedom Mortgage intentionally scams their customers by artificially boosting escrow payments to help pad their bottom line. And then they try to bully them into compliance with foreclosure notices and submitting bad 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 2023-08-19
Company: Experian Information Solutions Inc.
State: DE
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:
Incorrect address on my report, someone applying for loans in my name. Hard inquiries on my report

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 2023-08-08
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted an application to Citi Bank for a promotional offer I saw online. https : //www.citicards.com/XXXX I received a request for additional documentation including photocopies of my XXXX and payslips ( which is not a common request from credit cards and I still complied with those requests ). 

My credit score is excellent ( XXXX ) and my XXXX shows income above XXXX dollars a year. I did not receive a fair explanation of the reject letter either and I have to assume that it is discrimination.

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 2019-10-21
Company: WELLS FARGO & COMPANY
State: IL
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 notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX and others havent been any help.

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 2023-08-08
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime : I used my account with money being deposited by customers from work done. I also sent money personally from my Chime using my ID for each transaction " in good faith ''. However my account was blocked then closed without notice, and my funds withheld. 
This has caused financial hardship on my family and our lively-hood, ie : unpaid- rent, medical bills, utilities and groceries. 
I'm a victim of theft by Chime and would like my funds to be refunded via certified immediately. 

I can be contacted directly at : XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My significant other and I applied to and were approved for an FHA Home Mortgage through Bank of America at the end of XX/XX/2019. Throughout the entirety of the process, we have been lied to, misled, and entirely misguided by our banker, our underwriter, and our banker 's manager. Our personal banker ceased communication with us at the end of XX/XX/2019. No questions were answered and our closing date was continuously pushed back. We escalated our issues to the manager and settled on the XXXX of XXXX for a closing date. We both took time off of work for the day, making sure that the manager was well aware of the decision and that he was working to make sure that we had all of the documents. It is currently the end of the day on the XXXX of XXXX and we have been made to resubmit sensitive documents upwards of three times to the underwriter. We have been told different stories by different BoA employees, and the loss of this entire day, the mishandling of our documents, and the lack of communication has left us with very few options for closing dates and will cause us to have to submit another closing addendum to the seller to push back the closing date. This may cause the seller to back out of the deal and tank the entire thing. Please never get your mortgage through Bank of America.

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 2023-08-08
Company: U.S. BANCORP
State: PA
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:
IN Accordance with the fair act this creditor had violated my rights 15usc1681 section 602 it states that i have rights to privacy 15usc1681 section 604a section 2 also states a reporting agency cant furnish account with out my written instruction 15usc1666ba creditor cant report a consumer credit late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been asking BofA to increase the credit limit on my credit card for many months but they always blatantly deny. 
In their denial letter, they give reasons which are not applicable to my scenario. When asked, they dont give conclusive explanation. They have been harassing and jeopardising my purchasing power since a long time, all despite the card being my oldest credit card. 
The credit limit is so less I cant even buy a new XXXX with it. And although I have a good credit score and have been using the card responsibly, they wont increase the credit limit. 

The worst part is that despite acknowledging the fact that I have higher credit limits on other credit cards, BofA would still not give me a higher credit limit.

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 2023-07-24
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that not proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward for the quick deletions of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Previously I submitted disputes for AMERICAN EXPRESS Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and American Express and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$710.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$880.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$260.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Nelnet, Inc.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had paid off over XXXX XXXX dollars worth of student debt in XXXX of XXXX. Fast forward several months, and Biden announces student loan forgiveness. I meet the qualifications for said debt relief as I continued to make payments during the moratorium. 

I called my student loan provider, Great Lakes, and requested a refund of XXXX XXXX dollars the day after the student loan forgiveness announcement on XX/XX/XXXX. I was told I would have an email sent to me with the reference number for my request by the first customer service rep. After calling back when no email appeared, I was told no such reference number exists, and they would not provide any proof of confirmation of my request. I spoke to a manager who said the same thing. They told me it would take up to 30 days to process the request. 

I call back again today, XX/XX/XXXX, and ask about the status of my refund request. No updates are available at this time, and I am told the refund could now take up to 60 to 90 days to process. 

I want my refund so I can request debt forgiveness when the application becomes available. I understand many people are requesting such refunds and there is high volume of customer traffic. In two to three months ( which they now have warned me how long the refund will take ), it will nearly be XXXX and my window of opportunity will be closed. I worked hard and sacrificed much to pay off my debt entirely during the moratorium. I make less than XXXX but paid off over {$65000.00} in private and government loans during the moratorium. I want to take advantage of the opportunity for some debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: LOBEL FINANCIAL CORPORATION
State: TX
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 have unauthorized credit inquires on my credit report, i have sent in letters to merchants who can never locate a account and i have sent letters to credit bureaus who tells me to reach out to merchant with no ACTIONS taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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