BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.

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 2019-11-15
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2013 original date of debt amount {$27.00} This debt first originated XX/XX/2013, the original collection ( XXXX XXXX XXXX XXXX XXXX ) the company change collection company ( Phoenix Financial ) to make it seem this is a new debt, which isn't the case, after seven years this debt  should be removed from my Credit Report immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, Today, XXXX, I noticed a hard inquiry on my Equifax credit report by XXXX XXXX on XXXX. This is an unauthorized inquiry made by XXXX XXXX  as I did not request anything from this bank in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: OneMain Finance Corporation
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting me as 120 days past due on XXXX  XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AES/PHEAA
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have attempted for the last few months to talk with both XXXX, the original debtor and PHEAA who apparently decided to try and collect on something discharged in bankruptcy almost THREE years ago. Normally, I understand student loans might not be considered able to be discharged, however, mine was a hardship case due to a horrific injury and loss of a business that left me unable to work. PHEAA shows this as closed on all credit reports, but they NEVER should have been able to report it to begin with and if nothing else, how can they report it as LATE/COLLECTIONS every month, yet agree it was discharged and closed?? TIRED of fighting them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  issued a credit card by mail that was mailed to my residence while I was on a trip to XXXX. I never received the card. A few weeks later I received a statement showing charges in a different city than the one I reside in. I contacted them and reported this as fraud. XXXX XXXX blatantly lied about conducting an investigation and deemed the charges as legitimate. This is a physical impossibility as I was literally in the XXXX XXXXl at the time. I have sent proof including a certified notarized police report proving I was in deed in XXXX at the time. My Spouse and I were on this trip. They have continued to report this to credit agencies causing my credit score to plummet. Consequently XXXX XXXX and XXXX XXXX have lowered my credit limits. I have called them numerous times and have send certified mail numerous times. When I make Follow up calls they give me the one around stating I have not provided all the documents. They are falsely reporting my credit info.

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 2021-02-02
Company: EQUIFAX, INC.
State: CA
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:
When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When filing disputes I was under the impression that the Bureaus had 30 days to reply to my request is this not true? .. It has been way over 30 days we are going on 6 months now and NOTHING!!! .. What do I have to do to make them reply to my request?. I have already took the time to file disputes and now am having to take the time to write a complaint all because they refuse to do their job.

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 2020-05-15
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-02-02
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:
Experian does not care about FCRA violations. I disputed an account with them on XX/XX/2021 regarding a Collections Account I had no knowledge of, with a company called XXXX XXXX. They finished their investigation ( report # XXXX ) and concluded that the account would remain. Frustrated, I uploaded documents showing that I had sent correspondence to Amsher through their online portal, through e-mail, and through physical US mail requesting debt validation. Experian ignored the fact that XXXX refuses to respond to my requests for debt validation, they also refuse to acknowledge that XXXX violated my FCRA rights by giving me no notice of this debt, at all, in any form, and have decided that this account should remain on my credit report. I request that Experian be held accountable for these bad practices.

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 2021-02-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
some one hacked my IP address and made a quickpay account under my bank account and sent someone I don't know money. I did not authorize this nor did I create this account. Chase admits that they don't track IP address that were hacked and denied my claim without doing thorough investigation. I DID NOT CREATE THIS ACCOUNT NOR DID I SEND SOMEONE I DONT KNOW MONEY. They also admitted that they did not contact the other persons bank or them to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am attempting to close a home mortgage with Citi. They approved my file and sent me a commitment letter on XX/XX/2020. They still have not closed, and each time I ask for an update, they add 4 - 6 weeks to the closing timeline. For instance, on XX/XX/XXXX, they told me that my file would be in the queue for final review and closing in " 5 - 6 weeks. '' When I followed up 5.5 weeks later, on XX/XX/XXXX, they told me " another 4 weeks. '' Even worse, my file was completely updated in XXXX with all necessary information. Since that time, Citi has asked repeatedly for updated personal financial information from me and my wife, even though the reason the initial information expired was solely due to Citi 's own closing delay! Every few weeks I have to send a trove of sensitive personal financial documents to them. It's like we're on a treadmill, they can't set a closing date, but then they also want continual new information from me. It is a major burden to send all these documents every few weeks. 

Worst of all, Citi is offering me a discounted mortgage rate in exchange for moving my personal bank and investment accounts from XXXX and XXXX  XXXX XXXX. They pressured me to move these accounts over quickly, which I did in early XXXX, even though it was a huge hassle and I preferred to keep them at the original banks. Yet they can't even close the mortgage, and now my accounts have basically been held hostage for months ; if I move them out of Citi, then Citi will take away my preferred mortgage rate. I just need Citi to close this mortgage! 

Citi has even admitted that other applicants, who did not provide their personal information in a timely fashion and who have incomplete files, are taking priority over my application, just because they submitted their applications first. I can't win -- I get Citi all of the info they ask for, and then I get penalized for it by being asked to update that information every few weeks, while other applicants can't even get their first round of information in. Yet those other applicants are ahead of me in line to close!

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: CL Holdings LLC
State: CA
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:
I have submitted several request of investigation on my credit report. Several accounts show inaccuracies and violations and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was an issue the resulted in a return payment. The creditor conatacted me at XXXX XXXX on XX/XX/2021 ( Before XXXX XXXX XXXX. I informed them that there was a bank error to resulted in the issue and then I would make a payment online on XX/XX/2021 once it was resolved. 
The creditor called multiple times on Tuesday XX/XX/2021, and then repeatley harrased me by calling my over 6 times in one day XXXX XXXX/XXXX/201 XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I believe I was a candidate to be part of a loan forgiveness back in 2005. My loan was transferred to navient and despite the many calls and submission of paperwork showing that I work for a public institution as a XXXX  and now as an XXXX  for the last 20 years I was never granted the opportunity to participate in the loan forgiveness programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: AES/PHEAA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my XXXX so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 my student loan account on my transunion report 3 times with the same start date and balance all under diffrent companies. It was not sold and was a government loan. Im paying on it .one of the accounts reflects this. Triple reporting is unethical and against the law.

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 2018-07-09
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying above my standard payment since I first began paying my student loans. When setting up autopay with Navient online I verified that any amount payed above my standard payment would go to the loan with the highest interested rate ( this was actually shown to be the default setting within my profile settings on the Navient website ). As I began paying off loans with other loan servicers I began moving the payment that I had been making to those companies over to my Navient loans to apply towards principle. I again verified the allocation of extra payment to the loan with the highest interest rate when I added to the principle payment in XXXX of 2018. In XXXX of 2018 I began looking through my loan statements as the loans I have with Navient are the only loans I still have left. I noticed that the extra principle payment I was making each month was not being correctly applied to the loan with the highest interest rate. I called in to speak with someone and they apologized but said unfortunately that isn't how my account was set up. While on the phone I logged back into my account and as I explained to them it still showed in my personal settings in my profile that extra funds would be applied toward the highest interest rate. I requested multiple times to speak to her supervisor as all she could do was apologize and say that wasn't how it was set up in their system. She finally asked to place me on hold while she got someone else for me to talk to. A few minutes later she came back and said she had fixed it and going forward the extra funds would go to the loan with the highest interest rate. It was obvious I wasn't going to get the chance to speak with anyone else so I stated I would gather all my paperwork and call back. I pulled all the information I could from what was provided in my account but a lot of information wasn't available such as the individual interest rates of the loans since I first started paying. I called back in a few days later and explained the situation and requested all the information I could get on my loans so I could go back over where and how my payments had been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX, XXXX sent me a letter dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Phone number XXXX. 

Original Account : XXXX. Their Account # : XXXX Charge -Off Date : XX/XX/XXXX. Principal Balance : {$1300.00}. Balance Due : {$2200.00}. Interest Balance {$850.00}. 

Pinnacle Credit Services LLC and different creditors have been contacting me about this account and my responses are not good enough. I do not owe the company this money! 

If it is XXXX XXXX BANK CREDIT CARD COMPANY, THEN WHY DO I CONTINUE TO RECEIVE MONEY OFFERS " PILING UP '' IN MY MAILBOXES FOR THEM TO LOAN ME MONEY WHEN I HAVEN'T REQUESTED ANY CREDIT CARD SERVICES. I HAVE A SAVED UP HUGE STACK OF OFFERS FROM XXXX. 

I have written to different companies who have purchased the above account to harass me. 

This company has a delinquent date listed as as XXXX. I paid them if I ever owned a credit card from them. 

Why would the company wait many years after the fact, when I lived at the same address for 12 years and never received any extracurricular or outstanding bills? 

I am tired of this company continually harassing me. 

I dispute the bill. 

XXXX is their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with Transunion and over 20 points with XXXX. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to Transunion to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by Transunion or XXXX  that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX  and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.

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