BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
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: Personal information incorrect

Complaint:
I want to dispute all credit inquiries on XXXX  trans union and XXXX 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 explanation
Consumer complaint received 2022-09-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, its been Two weeks since Ive been able to access my account, they said in the beginning it will take a week to withhold my funds because they wanted me to send my ID in. So I did, at that time, they told me to call back on a Monday ( it was Friday ), so I did. They said call back next week. So then I asked about the funds in my account, they couldnt tell me. I hope this gets resolved quickly. USAA is a bad company. They told me to keep calling everyday and nobody is helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Recently, I began suspecting that I was a victim of a fraudulent loan after I noticed that since XX/XX/2013 when I began repaying my loan not a single XXXX of my payment went to the principal. I'm on the Income-Based program so my monthly payments changes consistently since my income has also been changing since. 
I emailed Fedloan Servicing, which is my servicing loan company, to get a clarification as to why every single monthly payment that I've made since has gone straight to interest. I emailed them about a month ago or so and up to now I have not received any response. I emailed them because I wanted to get their response documented. 
I feel that I'm being set up so I'll never pay off my loan and I'll be in debt for the rest of my life or even beyond. I've struggled making my payments so I've found myself deferring my payments a couple of times. And, since my loan balance is high, the interest that I accumulates and capitalizes is very high. So, since not a single XXXX of my payments have gone to the principal my debt keeps getting higher and higher. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Jon Barry and Associates, Inc.
State: NC
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:
Information was disputed from my credit report and now it has reappeared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a XXXX XXXX XXXXr with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.

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 2022-09-06
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, consumer, natural person, living woman was discriminated against by Goldman Sachs when I applied for an Apple Card. 

On XX/XX/2022, a consumer credit transaction occurred the moment I filled out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, Goldman Sachs, accepted my application you also accepted fiduciary responsibility. 

Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from Goldman Sachs, the unauthorized use of my credit card, and I did not receive ANY BENEFIT from this transaction 15 USC 1602 ( p ). My consumer report was negatively impacted proving the transaction did in fact go through. 

Best Regards, XXXX : XXXX [ XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2019, I contacted XXXX XXXX XXXX and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX '19. 
I personally received the funds by the XXXX of XX/XX/2019 and overnighted the check to XXXX XXXX XXXX and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from XXXX XXXX and they see the settlement amount has been applied to my balance. 
I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't XXXX XXXX XXXX do the same?

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 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
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 XXXX Account # XXXX, has violated my rights. 
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
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, ALL credit bureaus, despite constant correspondence are still refusing and maintaining old information as current. There is misinformation that is 10 or more years old that is still on ALL of my reports. There are closed, XXXX and false accounts still on my reports, PLUS there are many unauthorized hard inquiries that ALL three credit bureaus refuse to remove! 
There are multiple accounts which were NEVER my own due to identity theft which ALL three credit bureaus REFUSE to remove! 

ALL mentioned must be REMOVED 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 2023-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They still have an account open they are not removing they refuse to remove an education account that is closed and they experian no its closed but on my credit report its status is open its been closed but states open from year 2003 Please have them update this error

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 2022-09-06
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 from Mr. Cooper, XXXX XXXX, Negotiator I wanted to let you know the Appraisal as of XX/XX/2022 is $ XXXX. I see the current offer is around XXXX likely will not be accepted by the investor, is the buyer willing to increase their offer? Thank you. 

This is the same issue my previous Servicer, XXXX XXXX XXXX ( loan # XXXX ) attempted requesting {$250000.00} minimum purchase price which I argued not in view of the ( XX/XX/2022 ) {$110000.00} Appraised Value ( see attachment ) you also received when my loan documents was transferred to you. I was notified of this transferred event XXXXXXXX XXXX. You then requested your Field Inspector, XXXX XXXX ( XXXX ) to do a internal & external inspection which was completed on XX/XX/2022, XXXX. XXXX XXXX also stated he was only to take pictures with no valuations, comparables, etc. which made no sense to my realtor, XXXX XXXX, XXXX XXXX XXXX Properties ( mobile XXXX ) nor to me. This is obvious a second attempt of CONSPIRACY to defraud me dating back to ( XX/XX/2022 ) compelled me to file this Compliant if not resolved I will escalate of all Parties involved : XXXX XXXX XXXX, Mr. Cooper, RighPath Servicing, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX including XXXX, XXXX, XXXX to : 1. Maryland Attorney Generals Office 2. XXXX XXXX XXXX XXXX told me I need to submit a Privacy Act Form before they can pursue my Case, 3. Investigation Teams : XXXX 4, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  My attorney ( to be determined ) 5. Donald Trump, would to sink his teeth into this XXXX XXXX  XXXX woman being taken advantage of by ( 3 ) Bank/Loan Servicing Companies .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-07-20
Company: Experian Information Solutions Inc.
State: NJ
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 sent 4 dispute letters to all 3 credit bureaus ( XXXX, Experian, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP.  I've been violated for months and this has to stop NOW.

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 2021-07-13
Company: Upstate Collection Center, Inc.
State: VA
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:
On XX/XX/21 I submitted CFPB complaint number XXXX and i was told that the company needed authorization to move forward so, here I am again. There is unverifiable and inaccurate information on my credit report that was noticed recently. There are many reasons why this information should be deleted. FCRA FDCPA and Metro 2 compliance violations are just a few of those reasons.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX Va Police  Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.

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 2019-12-01
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've been a Citi customer for years now and generally have liked the card benefits and customer service response until this week. 

I had a messy divorce in the past and have been rebuilding my credit for years by chipping away at balances. Despite this I have never once missed a payment to any credit agency in my entire credit history. 

Earlier in the year my credit limit on a Diamond Preferred card Double Cash card were increased by {$500.00} each. Naturally this was great news and I was happy with the diligent response of the company. 

Fast forward to now, both cards dramatically had their credit limit decreased, one to {$700.00} below what the account was opened at, the other roughly {$300.00} below. 

I was shocked, and thought for sure something fraudulent had happened. When contacting customer service in regards to it, I was informed one of my credit accounts was delinquent causing the drop in my available credit. I took the information as to which credit reporting agency they claimed generated the information to investigate myself. 

I pulled all 3 credit reporting agency reports to be on the safe side, and found the information they had given me to be completely false. The only derogatory information was from a collections from a medical debt that had already been disputed and removed but has sense reappeared with the original information. This is one I have been fighting for 4 years now and was paid by insurance and thus is going to be disputed yet again. 

When I contacted them again to inform them, I was greeted by a lackluster rep who only offered to do a general request to increase my limit which was denied. I was never given any other specific reasons behind this. 

This incident has had a significant impact on my credit as a result, and put me back progress I had made for no reason. 

Do yourself a favor and stay away from Citi. In the end I regret ever opening a card with this company, and if it wouldn't hurt my credit score even more to close the accounts I would.

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 2023-09-25
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over 100 points due to their combined incompetence.

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 2022-09-06
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I made a purchase on a vehicle XX/XX/2021 put down XXXX on XXXX XXXX XXXX with XXXX miles thought I had a good deal car was listed at XXXX none of my money ive put down or payments Ive paid over this year have made an impact on my car loan seems like & Ive been having problems after problem with this car now my transmission is out & I still have to pay that & XXXX a month not including insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Thursday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments, essentially taking advantage of the no interest to pay them off. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation