BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to log into my Suntrust account online. I get a message to call an XXXX number, which has a hold time of great than XXXX hours! I have tried calling them multiple times, multiple days, multiple times of days, I am unable to get thru to them. On every occasion, I get hung up on after being on hold for over an hour. I have reached to them on XXXX as well, no response. Meanwhile, I am unable to access my money!

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 2018-01-08
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There are items reported on my credit report that are prohibiting me from gaining access to credit. 

XXXX XXXX is reporting a XXXX XXXX collection to XXXX, XXXX and XXXX stating I opened an account in XX/XX/XXXX. They continue to report derogatory conditions as recently as XX/XX/XXXX ; derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX XXXX or XXXX XXXX about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 had told my Internet provider XXXX XXXX that I wanted my account closed months before my account was actually closed. I had gotten another provider, but they kept charging me even though I was n't using their services. I now have a collection from XXXX XXXX on my credit account that I want removed by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Evelyn Financial Services
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Since starting services with EVELYN FINANCIAL SERVICES, my experience has been horrible. Due to all the misinformation, and the fact that it has been very hard to reach Evelyn regarding anything on my account. I was forced to do my own research on Credit repair in general, as well as her company. From what I found, I didn't think she could guarantee me any results, nor could she charge my in advance for credit repair ( Here is the website I seen it on, https : //www.ftc.gov/enforcement/statutes/credit-repair-organizations-act ). I was reading this website, and it's looking like I am only supposed to pay for work that was already completed on my credit. This did not happen this way. I paid her {$300.00} up front. This verbiage was pulled directly from her website ( https : //www.evelynfinancial.com/ ) " Service includes the removal of all negative accounts from all 3 credit bureaus that includes car repossessions, tax liens, bankruptcies, late payments, medical bills, collections accounts and charge offs. You will see your score increase within the first 30-45 days and most negative accounts are cleared within 4 months. ". I signed up for her program in XXXX, 2020. That has been WELL over 30-45 days. It has been nearly a year, and I have had little to no progress on my credit file and it has been nearly impossible to reach her at the office. There was one instance where I messaged her to discuss my account, she directed me to the website, and I paid {$10.00} just to have a call with her, and she didn't even show up for that call. At this point, I've done all I can on my end to try to see results, or try to reach out to Evelyn to get help with my progress. At this point, I do not feel like she is doing the job that I paid her for almost one year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: NV
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:
I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

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 2022-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement

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 2022-08-26
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: Account information incorrect

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-10-02
Company: WELLS FARGO & COMPANY
State: CA
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:
I, XXXX XXXX, a natural person spoke with XXXX at XXXX on XX/XX/2021 at XXXX XXXX. He stated Wells Fargo has verified all information on my credit report. I asked him if Wells Fargo produced documents stating written permission to furnish this information to my consumer report. He stated XXXX does not have this document and Wells Fargo never produced the document. The XXXX representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to Wells Fargo or XXXX to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. XXXX is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. XXXX is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. XXXX is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to 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 non-monetary relief
Consumer complaint received 2019-01-17
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:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
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:
Why are these accounts showing up on my credit report when they are not mine i do not owe money to this company because i do not have an account with them so remove it XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX ) XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
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: Account information incorrect

Complaint:
I have tried to settle this matter with bureaus ... they would not remove, so I contacted creditor ...

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 2019-04-29
Company: CountryPlace Acceptance Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company repeatedly places additional principal payment in unapplied cash and does not apply towards principal until I call and complain. I make an additional payment every other week with " additional principal '' noted in the memo. Our regular monthly mortgage payment is send autodraft every month. I have spoken with XXXX ( manager ) multiple times and he has tried to work with accounting to resolve this problem to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX XXXX {$5100.00} XXXX XXXXXXXX : {$6200.00} XXXX XXXXXXXX : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last couple of months, Citizens Bank has been sending us marketing mail materials and emails regarding the option of doing online banking. We do not do direct deposits or online banking due to our fluctuating income and financial situation. We send personal checks every month with the home mortgage statements Citizens send us every month. We have had this loan with this bank for almost 2 years. We never had a problem before, they always sent us the bills ahead of time, and we have never missed a payment. 
For the last 3-4 months they have been sending us the mortgage bills only a couple of days before the due date and the late fee begins ( the 15th of every month ). We feel harassed and threatened by Citizens by this tactic. This is very worrisome to us because we have perfect credit and we can't afford late fees ( {$87.00} ) of any kind. We always make our payments with personal checks to all of our providers without a problem ( electricity, gas, our apartment maintenance, cable, cell phone, homeowners insurance, etc.. ) All of the other providers ' bills arrive on time in our mailbox and all different providers cash them on time as well. We have never had ANY late fees of any kind with any company. 
This month of XX/XX/2022, our mortgage bill is due by XX/XX/XXXX. We just have not received the mortgage bill. We called on Friday, XX/XX/XXXX at XXXX am to complain, but we still have not received anything from them BUT we keep receiving emails and marketing materials thru regular mail from them about signing up on their direct deposit option. We feel harassed and threatened by Citizens by this tactic. We can't do online banking since our income fluctuates every month and sometimes we pay from separate accounts every month since we are XXXX workers, not XXXX. 
We are very worried, we can't afford any late fees. Our calls to them have been obviously ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: CA
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 for a XXXX XXXX through Synchrony Bank on XX/XX/2018, application reference number : XXXX. I was instructed by Synchrony Bank to wait XXXX business days for a letter in the mail with the results of their decision, it is now XX/XX/2018 I have not received such letter. I have made 3 additional attempts dating XX/XX/2018, XX/XX/2018, and on XX/XX/2018 requesting for this letter to be re-sent with no success. According to the FTC, a consumer must receive an " adverse action '' notice in writing explaining why the credit application was denied based on consumer report. I strongly believe that Synchrony Bank is in NON-COMPLIANCE with FCRA Rules and have failed to provide an adverse action letter.

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 2022-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Chase Sapphire Preferred card on XX/XX/2021 because of the XXXX point bonus promotion they were offering at the time. After applying for the card, I received an email that my application was being processed. I spent much of the next few months traveling and away from my home address. After a few weeks, I called the Chase Customer Service line and was directed to an automated portal system where I could enter my social security number to find the status of my application, which I was told was approved. 

I returned home a couple of weeks later to a letter from Chase in the mail saying that I needed to call to verify my application. When I called, I was told that it had been over 30 days and they canceled my application even though I was previously told via the automated system that I was approved. I never received any other emails or phone calls from them except for this letter, which very easily could have just been lost in the mail. 

I have since spent over 20 hours over 6 different ocasions on the phone with representatives from Chase 's lending and customer support teams and I've been asking to just have them honor the previous offer that I was approved for which is no longer available. I have been told numerous times ( including from a representative named XXXX ) that they would resolve the issue for me and I would be contacted within 2-5 business days by a manager, and have never received a single call back. XXXX even assured me that they would run a new credit check for me and then remove the hard inquiry after I was approved since I had already gone through this process before. 

All I'm looking for is for Chase to resolve the problem by allowing me to re-apply for the card with the offer that I was approved for in the first place. Their customer service has led me astray multiple times and It's completely demoralizing for me as a consumer who just wants a credit card that I've been told is really great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable with a debt with XXXX. I do not have any contract with Credence resource Mana

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-12
Company: First Technology Federal Credit Union
State: ME
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 XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 First Technology Federal Credit Union XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Pre-Approved XXXX XXXX XXXX Mastercard Application To Whom it May Concern : On XX/XX/2021, I applied online for the XXXX XXXX Mastercard at First Technology Federal Credit Union ( First Tech ) in response to a pre-approval offer. My application was subsequently declined. 
On XX/XX/2021, I contacted First Tech via phone and was told by XXXX that my employment as a XXXX XXXX was considered temporary. I informed First Tech via email that my position was not temporary and submitted evidence thereof. Later that day, I received a voicemail from an unknown person at First Tech stating that they are not able to assist [ me with the application ] due to temporary employment. 
As previously stated, my employment is not temporary. I have been continuously employed for over 3 years. Therefore, the allegation of temporary employment is not a lawful basis upon which to deny my application for credit, which is governed by FCRA. 
In light of the foregoing, I respectfully demand First Tech approve my application on the terms offered. Otherwise, this matter will proceed to trial. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX I decided to attempt to go to school and per-sue a degree in a field that I was working in. 
I was never informed about the actual cost during any of this time. In that I didnt have any experience to compare this process to, I was only sent paperwork to sign to stay enrolled. This was online, through XXXX XXXX University, and the lender was Sallie Mae. 
I was never sent any sort of documentation regarding the cost, wether by semester, quarter or annual. .as I recall, I was contacted at work on a variety of occasions that I needed additional funding to continue. But never a specific cost. No documentation, only signature pages. 
I still have never received any such documents. 
At some point Sallie Mae sold accounts to Navient. In XXXX I was placed on XXXX XXXXXXXX and could no longer work, and I am still in the same physical condition. I was able to have a large portion of the loans, that I was shocked at the balance, excused. I am receiving SSI income and still attempting to pay the balance of the private loans, those i never was informed about. 

At this point, the interest on one loan is over 10 %. I dont see an end. The fast talking people that would call, and basically threaten me, with cutting access to the classes, just sign this form..

Company response to consumer: Closed with explanation