BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is in Violation of the Fair Credit Reporting Act law. They continue to inaccurately report on my Consumer File. They are reporting to Experian blank entries with no status. This kind of reporting is misleading and inaccurate. Their negative reporting is depriving me of my rights that comes with having good Credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for either Chapter XXXX, XXXX, or XXXX in 2011. I ca n't remember exactly which XXXX. However, I cancelled and the case was dismissed. I notice that it was on my credit reporting that I had filed for Bankruptcy. I called the credit reporting bureaus and was told to contact the Bankruptcy Department. I did and Bankruptcy stated they had nothing to do with what was on my credit report because they did not put it there and for me to call the credit bureau back, but they would send me a letter stating that the case was dismissed. 
XXXX and XXXX removed the Bankruptcy. TransUnion stated for me to fax/send the letter to them a again and they would remove it. I mailed the letter because their fax stayed busy. TransUnion received the paper work and now they are saying they ca n't remove it because whoever put it on there has to remove it. I told them THEY put it on there. I am requesting that TransUnion remove this from my Credit File. 
Thank You Very Much!!!

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 2022-09-14
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
I contacted my loan servicers, both XXXX and Aidvantage in attempt to try to confirm the origin of the loans they hold. I was told by XXXX that they no longer hold the loan for XXXX XXXX after I had gone through submitting the requested dispute form for a loan that was taken out in my name. 
There is a fraudulent loan that was taken out from XXXX XXXX in my name. This loan is approximately {$8000.00}. I was told by Aidvantage that I could not confirm the origin of the loans that they hold at all. I have been unable to dispute this loan successfully as I do not know who is holding the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Professional Placement Services, LLC
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My XXXX is with Chase who recently streamlined that loan, it is current to date. 
I took out a HELOC ( ARM ) with Washington Mutual in XX/XX/XXXX ( {$85000.00}. ) .have had struggles but still found ways to be pay on time ... have always been current until this year. 
Mom Passed away XX/XX/XXXX and separated my marriage XX/XX/XXXX ... finally divorced in XX/XX/XXXX ... 
I was told the only way I could qualify for a modification is if I was in the rears at least 2-3 months ... .so I let it lapse and set aside the money then after I was denied I went into Chase to pay ( 90 days later ) they called the loan in full {$85000.00}. also put it down as a charge off ... messed up my credit to the point I could not qualify for an outside loan ... When they offered a settlement of {$30000.00} ... now they are saying if I do n't pay them $ XXXX.by XX/XX/XXXX. they will foreclose on my home. In which my college student, daughter and I have lived here for 11 years..I am a proud single Dad ... .I feel this was a bad loan from Washington Mutual in the beginning after I got more information on preditory lending and false securities, etc ... Also, during this process I was harrassed daily with phone calls even though I told them I would try to get the money ( {$30000.00} ) ... ..they also refused, to work with me after the deadline..said they would only speak with my Atty. they were soo RUDE ( XXXX XXXX ) of Chase Recovery Dept. ( especially )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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:
1.In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information other than records of convictions of crimes which antedates the report bemire than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been filing a dispute for months for XXXX XXXX XXXX XXXX acct # XXXX, the tax lien has been removed from all bureaus as well except Equifax , and XXXX acct # XXXX. XXXX has removed both of them but Equifax left it on, I thought all credit bureaus used the same investigative measures. I sent a letter to Equifax letting them know that the other credit bureaus removed it and Equifax left it on showing verified. The account for XXXX XXXX I never lived at the address XXXX XXXX XXXX nor did I ever have XXXX & XXXX and the XXXX acct # XXXX belongs to my son, we have the same first and last name and different ssn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted RP funding in XXXX to compare their rates with many others. I let them know that we were shopping for rates and considering a 15 or 30 year term with or without cash out, based on what the appraisal came in at. After a few days XXXX reached out to me to offer RP Funding 's rates on the scenarios I mentioned. Since their rates were higher than XXXX, I asked about their Best rate guarantee and forwarded them the quote I had received. XXXX said he would send it over and get back to me. He quickly switched from emails to phone calls to let me know that they were unable to match the rates I was quoted from XXXX XXXX and I was eligible for the {$1000.00}. I asked what I had to do for the {$1000.00}, and XXXX told me that if I indeed closed with this company I would be eligible for the {$1000.00}, they would need the disclosures and he would send me the forms I needed. I emailed XXXX the disclosures and continued to ask for the forms, and anything else that I would need to follow proper procedures. I continued to keep XXXX updated as to our upcoming closing and even continued to ask RP Funding to beat the rate and earn my business. RP funding intentionally left out information that would have helped us and never referred us to or sent us any fine print until 4 weeks after being told we qualified. After closing and submitting the items requested, the company immediately started looking for a reason to disqualify us, first they incorrectly read the date and tried to say we locked our rate a month after contacting them, then they tried to say that we had submitted a quote from a different company which was simply the broker and the bank. It had taken almost a month before XXXX sent me the form and never did I expect we had anything to worry about. He was always very nice and friendly, he even referred to it as my {$1000.00} when he finally sent the list of documents I needed to include. My husband has worked in the financial industry and we were cautious about how we handled things, but this company never intended for us to be able to collect. The general public should be aware that this is just a sceme to collect information about competitors and then make it impossible for the customers to be treated fairly. The company stopped responding to me when I offered to provide any additional information that they might need and finally told me to just be thankful I got a good rate elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2022 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents, the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, and there were no personal signatures proving those documents are ( 100.00 % ) verified. Also, they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2022 and their response was the exact same documents. At this point their being very negligent and have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Am Filing this complaint because Equifax has ignored my request to provide me with the documents they have on file to verify the accounts I disputed under section 611 ( 5 ) ( a ) of FCRA thy are required to promptly delete all information I requested that can not be verifiedPlease resolve this manner as soon as possible Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, # 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 an 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 2022-05-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had an auto loan with prestige financial group and I no longer have the vehicle. They have tried to get with me about paying off the car, but I no longer have the car and I dont have the car because I couldnt pay the note anymore due to financial hardship. The car was repossessed and they are still sending me emails to collect to car debt. Im pretty sure the car has been sold abs they are asking me for the full price the care was purchased for. I got the car in 2017 and it was repossessed a year later abs they are still reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is my second attempt to inform Equifax of my ID theft claim, there are reporting on my credit report that are due to fraud from XXXX XXXX which includes a judgment and collection reporting. I contacted XXXX XXXX and they have addressed it appropriately. I attached a letter they have sent me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I currently use a credit monitoring process from XXXX. As a results of using the credit monitoring tool, I was notified that a creditor, CBNA from XXXX XXXX, South Dakota created a hard inquiry on my bureau. After some light due diligence searching on the internet, it appears CBNA is part of Citi. I have not applied for a Citi card and I dont think Citi has a permissible reason to pull an inquiry for me. I would like the inquiry deleted if CBNA/Citi is unable to provide adequate evidence that I took action that warranted a hard inquiry on my credit file. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: MD
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:
Sometime around XX/XX/XXXX, I submitted an application for an Income Driven Repayment plan. On XX/XX/XXXX, I received email correspondence from Navient stating that my monthly payment was reduced to {$36.00}. On XX/XX/XXXX, I logged in to the Navient website to make this new lower payment but the website said that I owed {$310.00}. I called the customer service number and spoke with a representative. She looked at the letter I was sent and she let me know that the {$36.00} was only for 2 of my loans and that my monthly payment is truly over {$300.00} and that I should be receiving another letter about the repayment amount for my other loans. It has been nearly a month and Navient has not and probably would not have sent any other correspondence had I not called in to find out what is going. The representative I spoke with is sending it to me. Their repayment letters are extremely misleading and this needs to be corrected immediately. I have no problem paying my loans back, but I need true information when it comes to making my budget. Now i have to spend nearly {$300.00} more than what I budgeted for so that I do n't have a late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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:
Good evening! 

I have noticed unauthorized inquiries on my report that i don't recognize or someone applied in my name. 
According do the FCRA Fair Credit reporting Act, Legally these unverified and unauthorized inquiries have to be removed ASAP. 

Their are inquiries on here where I was not approved for the credit, loan or etc. These inquiries need to be removed as it has dropped my credit score. 
i know that you all are familiar with 15USC 1681C block of information clause correct? I know my rights and I know XXXX experian and XXXX aren't real Bureaus. I know the law, and i will not hesitate to take these 3 creditors to court for unauthorized inquiries, lates payments, discrimination, etc Listed below are inquiries that are unauthorized and need to be removed asap!!! 
XXXX twice : Experian XXXXXXXX XXXX : XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX twice : XXXX XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX : XXXX XXXX twice : experian and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Because of these, i had to end up freezing my credit!! 

I refuse as a consumer to hold back anymore. I deserve to be treated fairly, and that is what will be happening going forward. I refuse to let the mistakes of these creditors hold me back any longer! 

I also will be forwarding 2 more letters as well as filing a complaint to the attorney general.

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 2022-09-14
Company: OLD NATIONAL BANCORP
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I purchased a XXXX XXXX XXXX money order in the amount of {$79.00} at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My money order was stolen by XXXX Postal Service and altered and cashed by Old National Bank in XXXX IN XXXX XXXX XXXX XXXX. Im asking that my money be refunded back to me and {$15.00} for copy of money order and {$15.00} for faxing a copy of money order and also {$100.00} for stress and interest, which I feel is fair for all the calls and gas money am spending to get my money back. When I call old National bank Im placed on hold and no one answers my calls. Also my payment was for my car insurance and my car insurance was canceled due to this matter and I had to pay another premium of {$49.00} to reinstate my 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 2019-10-24
Company: SUNTRUST BANKS, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I made a partial payment In XX/XX/XXXX for my XXXX XXXX XXXX car. My regular payments are {$570.00}. The payment I made to Suntrust was for XXXX XXXX XXXX dollars which was due on the XX/XX/XXXX day each month. The remaining amount for XX/XX/XXXX payment is XXXX plus XX/XX/XXXX payment. The firm allows 11 days grace period for paymets at which I have been using since I purchased the car.They sent me a text message today stating they are resposessing the car for XXXX late payment. They have also deleted my account on the mobile application which affords me to make payments. This is unfair practices to repossessed a car for XXXX due late payment and deleting my mobile account so I cant make payments.

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 2021-05-20
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I wired the money ( USD XXXX ) to my International account ( XXXX, XXXX ) through their Correspondent bank XXXX XXXX on XX/XX/XXXX. After many follow ups, I understood that XXXX has returned the fund to PNC through XXXX XXXX on XX/XX/XXXX. The reference details were provided to PNC operations team in the week of XX/XX/XXXX. As of today XX/XX/XXXX, PNC claims that they have not heard from the beneficiary bank ( XXXX  ). 

My USD XXXX is out of my account for almost a month and not sure when its going to be either refunded to my account or delivered to my beneficiary account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They havent giving me my money I donated to XXXX XXXX hes a XXXX and XXXX giving organization. I gave a XXXX of my stimulus check and he has others give to me. They did. I dont know why or where the money came from I have his number XXXX XXXX XXXX XXXX XXXX but they did

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 2017-09-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<

Company response to consumer: Closed with explanation