BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the enclosed documents. I request the bureau to initiate an inquiry into these accounts, as I have never been overdue, yet they are erroneously reporting me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have called repeatedly at all hours to get customer service on my XXXX XXXX. Wait times always in excess of thirty minutes. Failure to staff properly is unfair and abusive.

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 2023-11-08
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing for bankruptcy and XXXX XXXX continues to contact both myself and my wife. I have given them my lawyers contact information and told them that any further communication should go through them. When they call I tell them again that all communication needs to go though my lawyer, they say they wont be able to continue the call until they verify my information and keep saying that over and over.

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 2023-12-11
Company: The CBE Group, Inc.
State: MA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The CBE Group has been relentlessly sending letters in the mail and phone calls claiming I have a {$220.00} balance to XXXX. The service address in their claims is not my address, nor was it ever my address. 

I've contacted CBE group regarding this endless amounts of times. I have submitted disputes through the mail and over the phone. I have made complaints to the Iowa Attorney General and the Massachusetts Attorney General. 

I disputed the debt on XXXX. 

The last time I called CBE to remove the debt, they said they can not do that until I prove I never lived at the address. I explained that the burden of proof is in fact on CBE Group to prove I lived at the address and that the debt is mine. Clearly they do not have any standing as the representative said with boredom, " we're just a contracting company '' and offered no support. 

I have exhausted all resources to have this debt removed and to have communications from CBE regarding this bogus debt cease. A quick internet search will tell you that CBE is a scam group, making false claims to many consumers such as myself. 

CBE needs to be investigated and this situation needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank has been erroneously extracting funds from my account. The company has acknowledged the fault was due to a " coding error '' of their electronic check reader for online banking system. Their coding software was interpreting an incorrect account and routing number for someone else 's check and was withdrawing funds from my account intermittently over the course of 3 years. I did not realize this unfortunately due to this being within my inactive " Growth '' account in virtual wallet. I did not even have checks for this account. 

I caught the error and they apologized, but they only offered to " adjust '' the last 10 transactions for {$1200.00} dollars while they still owe me {$2900.00}. They have admitted fault, and agreed the additional funds were withdrawn due to their banking error. However, multiple party members refused to pay the additional amount due to them occurring too far in the past. 

Of note, they attempted to clear another {$2000.00} check from another account when I pulled the funds, but I did not have enough funds in the account at that time. Instead they charged me {$36.00} for a bounced check that I did not write. Still waiting for that reimbursement. I would like to close the account, but feel like I can not until I get this rectified. 

Total they owe me is : {$2900.00} The credit relationship officer acknowledged they were in the wrong and wished she could reimburse me the full amount, but said her superior refused. She also said they would call me back in 5 business days, which has since passed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was watching my balance everytime i made withdrawals. I can see the pending and cleared charges. However, the system of the Citibank is not reflective of any incoming charges. There is enough money to cover everything then suddenly i was charged {$10.00} for using an ATM when I made withdrawals which I thin is an outraged! For two withdrawals i was charged {$10.00} and this did not show and does let you know when they are going to charged it. I was expecting a XXXX dollar fee or less like before but {$10.00} for two transactions is outrageous. Then the monthly fee of {$12.00} kicks it. However in their system they made it appear that my {$10.00} XXXX  transaction is the one that causes the {$34.00} insufficient funds fee. I had that transaction several days before i made the withdrawals. I know I have enough funds to cover those and will still be let with possibly XXXX dollar on my account. I THINK THIS IS NOT RIGHT THAT I WAS CHARGED {$34.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

The accounts listed are adverse items of information and are not convictions or crimes.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The accounts listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2022-01-25
Company: Navient Solutions, LLC.
State: MO
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:
Navient took over my student loan from Salle Mae when Navient split from Salle Mae in XXXX. I was struggling to repay my student loans - we currently have two boys with learning XXXX in private school so they have access to the tools they need for education. I repeatedly tried to work with Navient to lower my student loan payments. I even would beg and plead with them over the phone that I would pay what I could every month - XXXX to XXXX dollars, but I always got the same response " we are sorry but we can not work with you. '' Every time they wanted me to file for a forbearance which I did multiple times, each time approved by Navient putting me further into debt. Each time my loan would come up to start for repayment I would explain my situation asking for smaller payments I could make and each time I was denied and would be told to file another forbearance. In XXXX Navient told me I would need to refinance in order to be able to continue with the forbearance process, not allowing me to pay what I could. It even got to the point where Navient customer service told me it would be better to miss payments because it could take up to 270 days before the loan would go into collection. I feel like I was totally taken advantage of. Navient steered me toward multiple forbearances instead of income-driven repayment plans while continued to struggle. I also believe that Navient was providing compensation that incentivizes its team to get borrowers off the phone as quickly as possible. I understand that there has been a settlement with Navient for private student loans, but they also deployed the same tactics here for my federal student loan. I am sure there are other borrowers out there in the same boat as me. How can a loan for an in-state University in XXXX cost over {$100000.00}? How can this happen to a student that at the time was XXXX XXXX XXXX in XXXX? I am pleading for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a free subscription to XXXX XXXX as part of the XXXX   breach. I get the emails, so I know I have an account. However, when trying to login to view the account, it does not recognize any username/password. When checking " dont remember username/password '' it requires that I submit social security and name. I do this, and it returns back to the same screen. Each time. I have looked for any contact information on the site and there is none. Frankly, this makes me more nervous than the actual breach. This company knows everything about me, and I can't get in touch with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Waypoint Resource Group, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy. '' Reporting agencies can not furnish an account WITHOUT my WRITTEN consent.

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 2022-12-10
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I contacted Goldman for help related to transaction disputes in the amounts of {$97.00} and {$43.00} with the merchant Apple. Goldman issued temporary credits while the account was in review. Apple issued the refunds that were posted to the account on XX/XX/XXXX. After Apple  issued the refunds and the bank Goldman reversed the temporary credit, my account balance should be XXXX. However, the bank Goldman sent me a statement for XXXX XXXX XX/XX/XXXX requesting payment in the amount of {$140.00} for the dispute reversal. I do not owe that amount and I'm not paying it. This is my 3rd attempt trying to resolve this issue amicably. Seems as if this matter will have to be litigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an email from Rental Recovery on XX/XX/21 saying that {$1300.00} gad been paid so why are they refusing to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Sovereign Lending Group, Incorporated
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX I made a phone call to complain about the mortgage company running my credit without my person. I was connected to a manager as I was made to understand. 

I started to explain my issue to the " manager '' but they kept interrupting me ... at one point when I told them the issue I have heard with my credit because of the multiple inquiries he said " Because your credit is really low? '' after they made the comment they said I was difficult to help and hanged up. 

That statement was hurtful and made me feel discriminated based on my credit and my origin because I happen to have an accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I sent a complaint on XXXX requesting that fraudulent inaccurate accounts be removed from my credit report and i have not yet heard back from anyone regarding the status of deleting them from 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my account on XXXX XXXX and told me they will cut my order to give me money back. When I check with the employee on XXXX XXXX, they told me the order has been cut. But XXXX XXXX, they told me that their legal team need to hold my money under investigation. It is totally less than XXXX XXXX  dollars and I need that money to pay my credit card. I am a student and i can not pay my credit card without that money. They told me I need find my own solution to pay it. It is so ridiculous. I do not understand whey Chase put an investigation on my account and hold my money. My money comes from my payroll, my husband and my friends. It is so crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would just like my freeze removed from my Experian credit 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2022-01-25
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:
Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification through my credit monitoring company on XX/XX/2020 that HMC Group has reported a collection account to my credit reports. Before this day I had never heard of this company. I have not received any documentation nor any phone calls. I had no notice of who they were or how I owed them. I do believe that there is a law in place that requires collection agencies to notify me and to give me time to dispute and to give me notice before they place an account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRUIST FINANCIAL CORPORATION
State: WI
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:
In XX/XX/XXXX, I, XXXX XXXX XXXX, purchased a brand new XXXX XXXX snowmobile from XXXX XXXX, located in XXXX, MI. The snowmobile was financed through Sheffield Financial , LLC, which is located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX their phone number is ( XXXX ) XXXX. Despite having good credit, Sheffield Financial 's interest rate on my loan was extremely high ( about 15 %, as I recall ). 

All payments between XX/XX/XXXX and XX/XX/XXXX were made on or before the due date to Sheffield Financial. In XX/XX/XXXX, I contacted my personal bank ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX ) to see about refinancing the loan at a lower rate. 

On XX/XX/XXXX, XXXX XXXX XXXX  issued a check to Sheffield Financial , LLC, in the amount of {$8500.00} ( Check # XXXX ) to satisfy the remaining balance owed for the original loan from Sheffield. The loan issued to me by XXXX XXXX XXXX  has also been paid in full. 

Despite both the original loan and the refinanced loan being paid in full, Sheffield Financial continues to show on my credit report that I owe them a balance of {$9200.00}, with the last payment being made in XX/XX/XXXX. Prior to refinancing the loan, I made a payment in XXXX of XXXX, and I believe that I also made XXXX in XX/XX/XXXX ; neither of those is reflected on my credit report. The account balance is listed as " Current '', although it should reflect a {$0.00} balance and that the account is " Closed, paid in full '' as of XX/XX/XXXX. 

I've contacted Sheffield Financial two or three times to have this problem corrected. Each time they have said the records would be updated, but to date, nothing has been done. I have also disputed the account through the credit reporting agencies, but to date, no changes have been made.

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