BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I disputed incorrect information on my credit report. Through my CFPB portal it has been 30 days and the reinvestigation is still pending with no results, no verification/validation or physical proof of these alleged debts as requested by me under the provisions of 15 USC 1692 ( g ). Further I have a right to privacy under the provisions of 1681b

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 2023-05-22
Company: World Omni Financial Corp.
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:
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately. 

XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2017 reported on my profile for a medical debt that I have or had no idea about. I have disputed and had investigated by XXXX   and XXXX which ended up not finding the valid so it was deleted from my profile, however Equifax has yet to remove/delete. They are still listing the debt which is impacting my profile after it has been found not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: VA
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:
Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. Equifax is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and XXXX removed these accounts but Equifax is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, Equifax is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CL Holdings LLC
State: AE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX They have no email. This debt says it is from XXXX XXXX which was the last phone carrier I had when I lived in the USA ( Hawaii ) ... but I have not lived in USA since XX/XX/XXXX. I called XXXX to cut off my service when I moved to XXXX ( XX/XX/XXXX ) but apparently they did not close out the account as they should have. I did not find out about the error until I had a work trip back to USA in XXXX. I have not been in the USA even for a holiday since that trip in XXXX. I have plenty of documentation that can prove my move to XXXX. Hawaii has a 6 year statute of limitations on debt so that has expired, but Jefferson Capital seems to show a date of XXXX. And I still live overseas ( XXXX now, still with military ) so it makes this difficult to dispute. 

This debt has not been validated to me in any way. Given my moves, it is probably related to problems with mail ... but this is ridiculous. XXXX can't charge someone out of the country that can't even know they are charging. I called to cancel. My cellphone wasn't even on once I flew to XXXX ( different SIM system ). And Capital can't use a date from 3 years AFTER I moved outside the USA. I've disputed the debt but not answer from anyone. Jefferson Capital has never sent me any paperwork validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concerned : I have tried to work with my lender but every time that I submit for a loan modification they don't open a new review because they advise that I was already denied once. That they could not create an affordable payment. I have never had a loan modification in the life of my loan and I am just trying to save my home! The last correspondence that I received from them was that they reached out but they never did. No additional documents were requested and they just denied the application as soon as it was submitted.

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 2019-11-09
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I grew up in the banking world with both of my parents working for the bank for years. I feel as I know the ins and out of simple banking. I went in today to the washington federal bank in XXXX Wa. I had the worst experience of my life. Not only are they doing a remodel which the bank is working in tighter rooms making it so others can be closer by. 
I'm embarrassed for the way I was treated today. I went in for what I thought would be a simple deposit that turned out as the worst deposit ever. 
It's more about the lack of customer service then the bank. I had to deal with two tellers from XXXX who are the rudest people ever. 
XXXX and XXXX from the XXXX location have the worst customer service. 
XXXX who was helping me out was called to help another customer. My simple deposit wasnt going to take hours but she left me to attend to another customer. 
When XXXX came by she asked s rudely what I wanted when I asked her to not speak to me in that tone she simply rolled her eyes and left. 
What happened to the simple customer service with the " how may I help you today? '' " What can I do for you today? '' I could go on. " What do you want? " that's insane. I'm very grateful for surveillance cameras to see how both of them were. After being a customer since I was young I'm happy to switch. I will never refer anyone to this branch or bank. 
Hopefully they get some training soon!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRUIST FINANCIAL CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/ we recieved a letter from truist mortage saying that they had bought our loan from plant homes. The letter came a month or so after payment was due never knowing the loan was bought out they said we where a month behind, they sent packets 4 times which we filled out 4 times asking if we could defer the one loan payment until the end of the note and set up direct withdraw and nobody will get back to help us.. its ruining my credit it wasnt proper communicated to us because notification was over a month late. Their failure to communicate with us shouldnt make it a emergancy on our end.. please call

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NV
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:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: EQUIFAX, 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:
I ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX, this FRAUD named XXXX or XXXX XXXX sold an XXXX XXXX XXXX at {$400.00}. I have never dealt with this fraud and I have never used XXXX XXXX before. 

1XX/XX/19 I messaged her asking when she sent the phone. She attempted to extort me for an additional {$50.00} to ship the phone that I immediately shot down. At that moment, this was a SCAM!!! 

XXXX I tried contacting her on XXXX. She didnt respond. The number provided all went to voicemail. Later at XXXX, she blocked my account! 

ALL WEEK, XXXX to today when I yelled at a PayPal rep to work on this matter, I have called over and over to demand that PayPal overturn this transaction. They have refused. All calls goes out to overseas in the XXXX. They sound like clueless robots and are uncooperative! PayPal has been reported in two places this week! 

My bank XXXX XXXX has also let me down. They are at least trying to work with me, but to little results. But latest anger goes towards XXXX XXXX XXXX On PayPal , that payment of {$400.00} is sent to XXXX XXXX XXXX XXXX has responded only by electronic responses, not human responses and told me they can not help me. Thats NONSENSE!!! They are shirking responsibility for this SCAM! They have on record what happened. They dont wan na put in the work to refund me of the money sent to that Scam artist fraud!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-21
Company: Experian Information Solutions Inc.
State: NM
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 XXXX of XXXX, then XXXX XXXX  XXXX XXXX XXXX XXXX ( now XXXX ) repossessed a vehicle we financed through them after they cleaned out our bank accounts of one months income because of another issue we had with them. Since then the nasty employees at this institution have continued to intentionally falsify reports to the credit reporting agencies. It was immeadiately expunged by one of the agencies because they obviously saw the discrepencies in the reporting by this cu. I attempted to contact the credit union, of course to no avail, I filed a complaint with Experien, which went nowhere, Experien will no longer deal with me on this matter at all. I have the original letter from XXXX, dated XX/XX/XXXX, about the reposession, and a copy of their history file on Experien. As you can see, XXXX started reporting that the account was ok in XXXX of XXXX and then suddenly, in XXXX of XXXX, it was repossessed, over 4 years after the fact. XXXX did this intentionally so it would remain on my credit report longer. They are a vindictive lot!! Now ten years later, and I believe 7 years is the max for repos to be on my report, they are telling me it won't come off till XXXX because of how XXXX reported it. Any assistance in this matter would be greatly appreciated.

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 2019-11-10
Company: Navient Solutions, LLC.
State: MO
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 applied for a Sallie Mae student loan in XXXX of XXXX. While attending school, I had been making monthly payments to help with accruing interest. I decided to take a break from attending my university before the start of the Spring XXXX semester, because I had an outstanding balance from the fall and I was trying to figure out how to pay for my schooling without obtaining another loan. After my grace period was finished, my full payment amounts had started to be withdrawn through Sallie Mae with no issue. However, in XX/XX/XXXX, I looked at my credit report and realized that I had 2 separate student loans. On my credit report, it showed that I had an outstanding loan through Navient that I " was behind on payments for. '' After a quick XXXX search, I learned that Navient and Sallie Mae used to be one, but had split. I was NEVER informed of this split, never received anything in the mail, and had to do a back payment upfront on the loan through Navient. I am EXTREMELY infuriated that I was not made aware of this split prior to it happening, and that I had to find out about this " late payment '' to Navient by looking at my credit report. My goal was to not have multiple outstanding student loans, and now I have 2 when I only applied for ONE. My main concern is that I was never notified of these circumstances. I would like to be contacted reference this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 hard auto loan inquiries and I havent requested nor tried to purchase a car. I contacted each company directly to inform them it wasnt me and was told to either file a police report or theres nothing they can do. I sent off a dispute letter to Transunion, XXXX and XXXX and they are still reflecting on my account. 
XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 -XXXX  XXXX XXXX XXXX Inquired on XX/XX/2023 -XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 -XXXX  XXXX  Inquired on XX/XX/2023 -XXXX  XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX  XXXX  Inquired on XX/XX/2023 - XXXX XXXX XXXX XXXX Inquired on XX/XX/2023

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 2018-04-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My account was hacked due to XXXX  & Experian breach the accounts that were in my bankruptcy reappeared delay payment the accounts were all deleted and then reappeared I was not notified by XXXX in five days that they were going to re-put what they had taken off back

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 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX  XX/XX/2017 XXXX {$17000.00}

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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXXpayment history wrong for all 3 credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: GOLDMAN SACHS BANK USA
State: AK
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:
XXXX XXXX. Goldman Sachs Bank will not accept and is unable to process applications with a Real ID Star. I have made dozens off attempts and have received zero acceptance. Apple does not have a work around no paper nor do they have the ability for human intervention to process the application. WWW.DHS.GOV the  department of homeland security requires everyone who travels by air by XX/XX/2020 will be required to have one of these ID cards. I am an airline pilot so I have upgraded to the new ID. Yet XXXX and Goldman Sachs are discriminatory to those who are in compliance. This is also a strike against American Ideals through liberal politics. The foundation of a real ID is that it is secure and your citizenship is verified. This company is creating consumer demand through a product it credit card then limiting it to only those who have delayed compliance with a Department of Homeland Security Mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} 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 2023-03-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023, a payment for XXXX XXXX in the amount of {$96.00} was posted to TD Bank checking account. On XX/XX/2023, I deposited {$260.00} in TD Bank checking account. However on XX/XX/2023 the same transaction was posted again to my checking account which now have my checking account in negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

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