BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While my husband was on XXXX XXXX I had took out a Parent Loan using SallieMae as the loaner for our son who was going to school at XXXX XXXX College. The loan amount was for XXXX. Since then, the loan amount has grown absorbently to XXXX because of large fees. I had been in constant contact with Navient which had purchased the loan from SallieMae, in order to pay off the loan. We have been paying a monthly payment which has created some hardship for us. We decided to be a good steward of our money and pay it off and they considered it saying they would check with the CEO, but I was told that we had to have the money available to send. With that in mind we refinanced our home and offered them XXXX as a settlement amount. Our home loan then went up because of that word. Back in contact with Navient they then said they would not take less than the full amount of the loan. THey have lied to us, harrassed us on the phone and have made us live stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Dear Sir/Madam, In XX/XX/2021 my check for {$1000.00} sent to PA XXXX XXXX was fraudulently cashed in Wells Fargo XXXX 
Since XXXX of 2021 my XXXX bank can not get any response from Wells Fargo, and is getting back to me with the same info : Wells Fargo did not respond yet. 
My XXXX claim number is XXXX. 

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 explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: TN
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 the victim of identity theft and have filed police reports, wrote letters, filed identity affidavits and made many phone calls trying correct account information placed on my Equifax report due to identity theft. I have provided Equifax with all of the appropriate information to substantiate my claim of identity theft. I have sent Equifax several police reports and identity theft affidavits, along with other supporting evidence to try and have the fraudulent information removed from my credit file, but they have refused to honor the law and my documentation related to my identity theft claim. The fraudulent accounts in question is a XXXX credit card in the amount of {$350.00} and XXXX XXXX XXXX XXXX with a balance of XXXX. I have disputed this information every month for the last year with police report, identity theft affidavit, dispute letters and Equifax still will not remove information from my credit report or provide me with information proving these fraudulent accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
RUSHMORE LOAN MANAGEMENT illegally dispersed over XXXX in loans under my identity theft, property loan schemes with XXXX XXXX. 
XXXX XXXX has been cited and fined as follows : XX/XX/2022 WASHINGTON, XXXX Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXXXXXX XXXX for illegally accessing its customers credit reports and opening checking and savings accounts, credit cards, and lines of credit without customers permission. XXXXXXXX XXXX pressured and incentivized its employees to sell multiple products and services to its customers, including imposing sales goals as part of their employees job requirements. In response, XXXXXXXX XXXX  employees unlawfully accessed customers credit reports and sensitive personal data to apply for and open unauthorized accounts. XXXX XXXX must make harmed customers whole and pay a {$37.00} XXXX penalty. 

XXXXXXXX XXXX AND RUSHMORE are obstructing investigations and they are suppressing ongoing federal violations in identity theft schemes and also Fairwinds banks aiding in the money laundering fraud by granting same perpetrators new loans for a new property, using my identity and my property as collateral. 
Both perpetrators were deemed officially bankrupt and were ordered to have monitors and management that XXXXXXXX XXXX, RUSHMORE LOAN MANAGEMENT AND XXXX XXXX DID BYPASS UNLAWFULLY. 

I am adding verified proof of obstructions of investigations and the suppressions of fraudulent malpractices, by RUSHMORE LOAN MANAGEMENT that issued {$100000.00} in new money over fraudulent loans supplied to predators. 

I have called and the predatory RUSHMORE LOAN MANAGEMENT personnel will not give me any information, hang up and are in direct interferences of investigations implicating XXXXXXXX XXXX and RUSHMORE LOAN MANAGEMENT in ploy schemes to seize property from victims of verified financial fraud. 

RUSHMORE LOAN MANAGEMENT got desperate and facilitated more fraud by hiring attorneys of XXXX XXXX XXXXXXXX, who also threatened to seize property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello. 

I am from XXXX and i have my paypal account from 20 years and never violated paypal aceptable policy. 
Now paypal says i violated a policy, not saying which, denying to specify and stole my balance and banned me. 

I am pretty sure i didnt made an illegal move, and they refuse to say why and just took off my balance. 

I consider this stealing and i need protection. 

Is there something i can do or can u refer me to the place i need to file a complain so they dont steal me or others? 

I am 100 % sure i didnt violated a policy. I dont mind being kicked off paypal, but they cant keep MY money. 
They made a " transfer '' from my balance " to paypal '' to cover damages they say. but i didnt autoriced or informed what i violated. 


Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several occasions, since XXXX XXXX XXXX I have contacted Equifax regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Equifax is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Equifax multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. XXXX refuses to remove the information and have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX Midland Funding XXXX. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).

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 2020-04-24
Company: Experian Information Solutions 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 am a victim of identity theft because there is a collection account from a medical company and i have insurance.

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and all fruad alerts from my credit files. 

PLEASE REMOVE FRAUD ALERTS IMMEDIATELY!!

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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX P.O. Box XXXX XXXX, PA XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX PO BOX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account # N/A To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2021-09-21
Company: AES/PHEAA
State: RI
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:
Fedloan servicing is not updating my progress towards PSLF. I have submitted two forms, most recently on XX/XX/XXXX certifying my employment at a qualifying employer from the months of XX/XX/XXXX - XX/XX/XXXX. Most of my payments were accepted. However, for some reason, the period from XX/XX/XXXX - XX/XX/XXXX was not counted as qualifying and is still listed as " eligible ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the fraud alerts or any other personal statements that's on my credit files. Remove all fraud alerts immediately.

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 2021-02-25
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX, I am submitting this complaint for myself and there is no third party involved. I reviewed my credit report and there are inaccurate accounts showing on my credit report. I am requesting that these accounts be removed. I have attached a list of the accounts I saw that is not accurate. I am a victim of identify theft. I am also submitting a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-04
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 like my security freeze to be 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 2017-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several occasions, since XXXX XXXX 2017 I have contacted Experian regarding a debt listed on my credit report in error. XXXX XXXX is reporting derogatory information on my credit file and Experian is allowing them to, illegally. I do not, nor have a ever had an account with this company and I do not owe the creditor that they claim is the originator. I have asked Experian multiple times, in writing, to have the company show verifiable proof by way of a dated, signed contract and the company has NOT been able to produce such items because this debt is FALSE information. Experian claims that the debt is valid and has yet to show me HOW. Experian refuses to remove the information and I have NOT properly investigated the situation because they would KNOW that this debt is NOT VALID.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.

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 2019-07-04
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:
XXXX XXXX XXXX XXXX reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with 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 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My identity was stolen.

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 2019-07-04
Company: WELLS FARGO & COMPANY
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:
Wells Fargo Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from Wells Fargo. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with Wells Fargo.

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 2019-01-31
Company: SYNCHRONY FINANCIAL
State: GA
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:
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that SYNCBPAYPALEXTRASMC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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