BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
USAA incorrectly charged me an NSF fee when I had funds in my account. I called and spoke to XXXX. I stated I never made the payment on Tuesday and on Wednesday I received an NSF fee. She says the payment was ran on Monday but I have the receipt from my payment on Tuesday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-12
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated several of my federal student loans. At the time of consolidation, I was, and still am, working for a XXXX XXXX. I indicated this and inquired about PSLF at that time. I chose a repayment plan based on the information I was given. Unfortunately, this information was not correct. I contacted Navient last week to discuss how many qualifying payments I have made thus far given that I will reach my 10 year anniversary with my employer in XXXX. I was told that I made no qualifying payments and that I would need to change the payment plan and payments going forward would count toward the PSLF. This means that I will need to make 120 qualifying payments in order to reach this loan forgiveness eligibility. This has resulted in a severe financial burden that will now extend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/2020 I attempted to make a payment of XXXX and instead XXXX was removed instead. I called immediately and they said to call the loan department. I called said could not send me my money because I owed. I said this was an improper payment out of my habits and payed until XX/XX/XXXX this was obviously an error they refused. I contacted the bank and they said they can not get involved in this disputes since it benefits their company. I said this is illegal it was an unauthorized transaction obviously an error and refused to take a report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: MO
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  XXXX   XXXX   XXXX  my credit report was pulled and In reviewing my report, I noticed the following error :   XXXX   XXXX   XXXX     #  XXXX  This item is incorrect because The account has been in Charged Off status since  XXXX / XXXX / XXXX  ; And should be reported as such.     Also since the account was charged off the 24+ 90 day lates which are reporting in the system is incorrect and should instead be 0 times 90 days.     On  XXXX   XXXX ,  XXXX  I called   XXXX   XXXX   XXXX     and spoke with  XXXX  she transferred me to the credit analyst dept.  XXXX   XXXX . He said the account was charged off on  XXXX / XXXX / XXXX  and that they had not been reporting any  90+  day lates to the credit bureaus. I requested a letter from   XXXX   XXXX   XXXX     stating this.     On  XXXX  I received a statement from   XXXX   XXXX   XXXX   and it was a actual account statement from  XXXX   XXXX . Showing {$0.00} Balance.     I called   XXXX   XXXX   XXXX     again today and spoke with  XXXX  who then transferred me to Charge off department  XXXX   XXXX  she she very mis informed and I ask to speak with a manager. She transferred me over to  XXXX   XXXX   XXXX . I went over my concerns that the account is showing a Charge off but still showing  90+  day lates. He said he would send a letter out to me. At this point I do n't have much confidence in   XXXX   XXXX   XXXX   or their support staff.     I am hoping you can help me resolve and address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I mailed a check to US Bank to pay off the balance owed on the mortgage.

XX/XX/XXXX I called US Bank letting them know that I had received a past due notification and I was told to disregard the notice. They confirmed they had my check already and that it was just a long process to payoff a mortgage.

US Bank didn't apply the payment until end of XX/XX/XXXX causing my account to be reported as past due to my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

I was supposed to close escrow on a new home XX/XX/XXXX but when my lender pulled the last credit report these delinquencies appeared.

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 monetary relief
Consumer complaint received 2020-02-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im really frustrated at this point. I have already reached out to you all about some accounts that are not mine. I have been trying to help my family get on track and this is really hurting me. Can you please remove these accounts from my credit XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: EQUIFAX, INC.
State: IL
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:
An auto loan with  XXXX   XXXX  appears on my credit report with the status " charge off '' and a balance of {$0.00} - this is correct, because the car was turned over to  XXXX   XXXX  and they were given possession. A collection agency called  XXXX   XXXX   XXXX  is also reporting a debt to  XXXX   XXXX  with a balance of {$23000.00}. This is not accurate as the account was with  XXXX   XXXX  and the correct balance is {$0.00} due to possession of the car an d ( t he {$23000.00} asset ) having been given to  XXXX   XXXX . I do not have any account with  XXXX   XXXX   XXXX  as my balance with  XXXX   XXXX  is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions 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:
The accounts and inquires listed on FTC report I had nothing to do with.

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 2020-02-27
Company: Allied Collection Services, Inc. (Nevada)
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:
XXXX reported my information for a fraudulent account to a credit collection agency without confirming that the account was valid. The information is now showing up on at least on credit reporting bureau. After contacting XXXX and confirming that they do not have any credible information on file including my social security number, they refuse to assist in contacting the collection agency or removing the information from my credit file. 

In XXXX of this year I noticed a derogatory reporting on my credit report from XXXX via a collection agency. After contacting XXXX and verifying that there is not an account that matches my information, they will not remove the information from my credit file.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ve been working with the creditor and credit bureau to deleted promised information. Non of the collections on my report where mines and I was forced to pay or the said my credit would remain ruined. They said they would permanently delete the accounts from my credit. This is frustrating. They are dishonest companies. I want all these accounts deleted from my credit report. 5 accounts XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$0.00} Closed XXXX  XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/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 2017-06-12
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
Sent certified mail on XXXX/XXXX/2017 to debt collector asking for proof that I owe the collection that is on my credit reports. The company signed for the documents on XXXX/XXXX/2017, in which I informed them that I had no contract with their company and the collection showing on XXXX XXXX and XXXX was not mine and is a fraudulent account. This company did not try to communicate with me via mail and reported to the credit bureaus without following the rules pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This should not have been put on my credit without any prior contact. I have attached the letter that was sent to the collection agency to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended and graduated from the school in XX/XX/XXXX. I have nothing against the intructors or the corriculum, just against the false pay after graduation and the high interest loans that were so easy to get and required.

My personal problem was that i was an addict and did not touch these loans for almost a decade. Since getting into programs and getting back into society for 2 years i have made it my primary goal to pay debt and get credit and savings to the point of being able to afford to buy a home for my XXXX year old boy and i to call home. 
After contacting my creditor Naviant i was put on a year long probation period by making monthly payments of low cost but impact on principal or interest to my federal loans ( roughly {$16000.00} from original $ XXXX-mostly private ). 1 year later i am thinking that my getting back on track on my federal but Naviant calls and says that they accidently forwarded my payment to my private loans. What?? I thought Naviant was only working my federal. so apparently the fixed the problem and i was back on track. Now I was told that I had to start chipping away at my Private loans which was another 3rd party ( XXXX XXXX XXXX  ). 
Long story short, they Like Naviant said they were very glad i was clean and they were excited to help me get back on feet with my credit. They even offered a settlement for my {$190000.00} debt ( originally XXXX ) for {$20000.00}, which i probably would of done if I could of found a buyer for my XXXX organs. Lucky me, I didn't. 
My interaction with XXXX XXXX XXXX  started this year in early XX/XX/XXXX and lucky for me this was when I also started school after 15 years of leaving college for this culinary school. This school ( XXXX XXXX XXXX XXXX ) i found out more about fixing credit. This is a non profit school where XXXX ( counselor ) took interest in my case since she new that XXXX XXXX XXXX had been closed in multiple states by Attorney Generals. Also the school had closed most of its schools around the world for only giving fraudulent loans and overselling the cost of school as well as making it almost impossible for repayment while working in the trade we were in debt for. 
After searching, we found out that the school had currently settled 2 years prior and agreed to repay loans and erase negative impact to credit bureaus.

I currently am still paying federal since it is now on my credit report and i still plan on buying a home. But I do not plan on doing the same mistake with my private loans even with all the calls they do since there are no signs of them in my credit report.

Well I hope i can get help, or at least direction of where I should go for help.

Thank you, Recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NJ
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: M&T BANK CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I got laid off from my job that I had been working at for 18 years, I called my Mortgage Company which is M & T bank and notified them of this and they told they would send me out a modification package. I called a company that deals with FHA housing to help that I got from M & T bank and I started the modifications packet through the hardship housing company called the Neighborhood Project Foreclosure Prevention Program , M & T bank would not let this the company come in and help they kept stating that they wasnt getting the authorization form from the company and it had been faxed to them 4 times with a confirmation saying that it was received by M & T bank. So I had continuously to keep working with them giving them every form or information they needed from. Than they sends me a denial letter stating that Im not enough months behind on my Mortgage so they cant approve my modification I applied for. I was told this over the phone as well on XX/XX/2020 with a manager in the mortgage department. This makes no sense to me that you would deny someone who has got laid off from work and only owes XXXX on there house and only have 2 plus years left to pay. Why would you deny anyone whos asking for help while there in a crises. They put it of on FHA saying it was FHA that denied the modification because I wasnt enough months behind on my Mortgage. I dont know what is the truth at this point. This is the far most worse Mortgaging Company I have ever seen and I owned a house before I became home owner of this house. I wish I can just get some type of help. I dont wan na loose my home. This company doesnt care. All they do is be very rude with you and have no compassion for homeowners. Why would you deny someone of a home modification because their not enough months behind M & T bank?

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 2022-04-04
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-06-12
Company: Brelvis Consulting, LLC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today on  XXXX   XXXX ,  XXXX  I used  XXXX   XXXX  app to view my credit on  XXXX   XXXX  report. I discovered I had some negative action from missed payments t o Dept of Ed for s tudent loans. I contacted the phone number provided t o Dept of Ed on   XXXX   XXXX   XXXX  and was ask for my social, dob, email, etc. To access my student aid account. The rep pulled up all my student debt info and then tried to convince me to apply for forgiveness. Once she offered to have {$4000.00} removed as forgiveness from my loan I ask why we had n't addressed the matter for my call about the  XXXX  negative actions on my report. At that time I felt her response was dancing around the question and asked if they were in fact a government entity with DOE. She stated they were and the company is calle d Student Loan Help Center.  While on the call I searched them on  XXXX  and realized this was a scam.  <P/> Not sure how this company received my call or has their number listed for DOE with  XXXX   XXXX .  <P/> I 'm filing this complaint because the took my personal info and I 'm worried they will attempt to use it. Also, I would like to understand why their phone number is the one provided for the DOE with  XXXX   XXXX , they misguide you to believe you are speaking with DOE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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: Information belongs to someone else

Complaint:
Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, Transunion, and XXXX  in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has Mid-South Adjustment ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX   and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under 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