BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion is not reflecting when credit card payments are made, we are trying to buy a home and the other 2 credit companies have the accurate information, we have been working on our credit scores and transunion is making it difficult because there misinformation which isn't helping our credit scores. I expect this to be resolved as my attorney is informed of the situation and will act accordingly.

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 2023-04-13
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have returned to complete my XXXX  after being away for XXXX  years. I am in the final requirements of my degree which are all XXXX credit hours and paying for the out of my own pocket. This semester my cost was close to {$7000.00}. I have contacted Sallie Mae a number of times and they can not give me a deferment because with XXXX credits I do not meet the requirement for XXXX time ( with credit hours ) to get a deferment. I am about to default with Sallie Mae. I am not sure what else I can do at this time. 

More details on me below : Long-time XXXX  XXXX XXXX  and part-time XXXX  student XXXX XXXX was denied a student loan deferral and stuck with huge ongoing bills due to bad policies of at Sallie Mae. Where are students supposed to turn when the system fails them, with bills that they cant avoid if they want an education come past due? Another example of the mounting student loan crisis in America. 

XXXX XXXX has been teaching music for over two decades in XXXX  when he decided to return to school to complete the final stages of his XXXX  program in XXXX. After taking a XXXX-year hiatus for personal and financial reasons, it came time to finally return and complete the last few, but rigorous, academic requirements prior to completing his dissertation. With mounting costs from his prior degrees, he applied for a loan deferral while he was taking the new classes so he could focus on his studies. 

With all his course work completed in XXXX, the final requirements at this point of his program are courses that are XXXX credits and are listed as pass/fail. While these requirements have no credits, they still come at the financial cost associated with classes. 

According to Sallie Mae, XXXX credit courses students are not considered " half-time attendance in school. XXXX XXXX, like many Americans, has multiple jobs outside of the school where he works, just to pay his current student loans. This lack of a deferment carries with it severe consequences and is key for him to complete his degree. 

XXXX XXXX was informed that Sallie Mae does not have a plan for students in this situation. This means it makes it almost impossible for students like him, during the final stages of their programs and already dealing with thousands of dollars of student loan debt, to get over the last hurdle to complete their education without defaulting on their loans. 

Attention must be brought to the situation for people like XXXX XXXX. With the loan forgiveness programs now frozen, and debt weighing down on students, how can he get out of the financial hole if Sallie Mae and other private lenders dont help? 

If youre interested in talking to XXXX XXXX, hes very interested in talking with you. You can reach him at XXXX.

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 2023-06-20
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On Saturday XXXX, I purchased a XXXX XXXX computer at the Apple Store located at XXXX XXXX XXXX, XXXX, CA XXXX in the amount of XXXX utilizing the installment plan utilizing my Apple Card through Goldman Sachs Bank. 

On Sunday XXXX, I visited the Apple Store located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided the store with my older XXXX computer in which the employees stated that I would receive a credit of XXXX dollars that would be applied to my remaining balance of the computer I purchased the day prior in XXXX. 

Yesterday, XXXX, I received a refund of XXXX that was placed back on my Apple credit card, instead of being applied to my remaining balance of XXXX. After paying now an already owed balance for other purchases on my Apple Card, I no have a +balance of XXXX. 

I contacted Goldman Sachs and Apple requesting that the positive balance can not be applied to my current purchase of XXXX as initially told. 

I am requesting that my positive balance be placed in my bank account, or, applied to the remaining balance of XXXX. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: MI
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: HANCOCK WHITNEY BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX. I did a mobile deposit of XXXX. It got credit on XX/XX/XXXX. I pay two bills XXXX cellphone bill payment. XXXX dollars check cash. I was two bounce fees both. Totally XXXX dollars. They charge me another XXXX. Which is XXXX. I call ask why they charge bounce when check cleared. This Hancock and Whitney Bank. I still havent issue been able fix issue with them. I call Hancock and Whitney about issue costumer service on XX/XX/XXXX. I feel this overdraft was not reasonable. I know taking advance me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I began the process of refinancing my auto loan with my bank, PNC, on XX/XX/XXXX. I decided to go into the bank to conduct the transaction rather than do it online because I was unsure of how to correctly refinance my auto loan. I went to my local PNC Bank ( located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, inside of a XXXX XXXX ). My banker, XXXX XXXX, seemed to be inexperienced which led to me making 4 trips to the bank altogether to complete this refinance as he constantly made mistakes which required me coming back into the bank to fix. I received a letter from PNC on XX/XX/XXXX which stated that they had sent XXXX ( who my auto loan was initially with ) a check to pay off the remaining balance of my auto loan with them. On XX/XX/XXXX, I received a letter from PNC requesting the original title on my vehicle and the lien release document. I did not have the lien release, so I called XXXX requesting it XX/XX/XXXX. At this time, XXXX informed me that PNC paid off my auto loan {$970.00} short, and that balance was incurring interest every day. They also sent the money to the wrong department at XXXX, so it was processed as a regular payment and not a payoff. I contacted PNC about the matter shortly thereafter and the bank ( some bankers involved include XXXX XXXX, XXXX XXXX and XXXX XXXX ) told me that they did not verify the amount that my loan was supposed to be refinanced for so that is why this issue occurred. They told me that the only option was for me to refinance the auto loan again, using the correct amount of money. However, I have since lost my job and not able to get another loan right now. Today, XX/XX/XXXX, was my last attempt to contact PNC and explain the issue. They refused to help me at all, and said the only thing I can do is refinance the loan with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud XXXX Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I want to file a complaint to EXPERIAN. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms. I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.

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 2019-12-08
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:
disputed the inaccuracy showing on my credit with this lender and they fail to update or remove the account if they can't verify the accuracy. this account is a charge off account but still reporting late payments which is a violation. XXXX  sold the account to a collection agency but still showing a past due and both times after disputing with XXXX  and the bureaus they sent back letters saying the account as been verified but yet still the inaccuracy is still being reported on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am XXXX payment behind on my 2nd mortgage. I signed a payment workout authorization with them in XXXX since then they have got my account all messed up holding payments, calling and threatening to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Resurgent Capital Services L.P.
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: Reporting company used your report improperly

Complaint:
Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good evening, I received a Credit Card debt after doing a XXXX XXXX XXXX credit check under the company " CBNA '' which after researching online, I believe is " Citibank North America '' for {$110.00} on XX/XX/2018. 

Under the same line, it shows the following : CBNA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX You can see it in the picture attached. 

I have never opened up a credit card in my entire life and I am very curious as to why I was charged {$110.00}. I can not find any information about this under my XXXX XXXX bank account. 

Please advise, thank you.

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 2018-05-01
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows 90 days to 120 days delinquent status for my student loans through XXXX XXXX. After providing proof to XXXX XXXX that my student loans should have been in forbearance during the months of XX/XX/XXXX and XX/XX/2017, XXXX sent me a letter agreeing that my student loans were retroactively placed in forbearance for the months of XX/XX/XXXX and XX/XX/2017 ; however, XXXX is refusing to remove the delinquent status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
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 fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT FROM XXXX, TRANSUNION, 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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I lost my wallet on a thanksgiving family trip and since then i have been seeing these fraudulent accounts on my credit.

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 2021-10-05
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Ii closed my account because I was charged a late fee a few days after making the payment, online. When paying online I could not pay until " the next business day '' which was one day after due date. I am now being charged a late fee on, only a late fee. That is all that is on my account. I have always paid it in full when I have a balance. All I wanted originally is for that late fee to be waived. Yall couldn't do it so I closed my account. Now I will be charged a {$30.00} late fee every month until I pay. Unreal! I will be cancelling all of my account through Comenity Bank going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I believe the lender, Nationstar Mortgage, is effectively changing the terms of my loan. Although payments are not late until the XXXX of the month, and my payments have been set up on autodraft since the inception of the loan, recently the bank has had oversees callers calling me beginning on the XXXX of the month or earlier asking for payment. These are call center employees without access to my account records. I feel this is harassment plain and simple, to get people to pay earlier than they need to in order to be in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
To Whom it may concern, I 'm the owner of the property located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. My attorney is working on the title and we have found that there 's a problem, specifically there is a wrongfully recorded deed by your Selene Finance LP. Due to this wrongfully recorded deed, I can re-finance my property until they correct this issue! 
I 'm refinancing this property to be able to fix it on time, due to structural violations with XXXX of XXXX. For this reason, this property needs to be fix right away, before XXXX of XXXX orders the demolition of this building!!! 
On an email from XXXX XXXX XXXX from XXXX ( Former Selene Finance LP ) and the company who actually did the recording, the solution at my problem will be for Selene Finance LP to recorded a deed from them back to us!! 
I have this email and I 'm attaching this email to this complaint. 

I have called several times to XXXX XXXX XXXX ( the Grantor on the deed ) to phone number listed on public records, XXXX but this phone number is always busy. I have also tried to send them a fax, but your fax number is always busy! 
I was able to sent them a fax ( Fax confirmation is attached ) and several email without response as of yet ... 
I also mail them all a certified letter via USPS ( receipt attached ) I also contacted XXXX XXXX XXXX XXXX, Senior Closer & Team Lead, and XXXX XXXX XXXX, XXXX Lead, both employees from `` XXXX '' this company was previously named : Selene Finance LP and they are showing as the one who requested this instrument to be recorded. SELENE FINANCE LP is named on the top portion of the wrong deed with their address as the " Return '' to company. 
Please take whatever necessary action to resolve this problem immediately, so I can continue with the fixing of this property!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, 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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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 non-monetary relief