BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed by a potential job.XXXX  XXXX is the person who I was in contact with in regards to the job and the money transfers. I was told that the company ( XXXX XXXX XXXX ) would send me the equipment for the XXXX  XXXX XXXXXXXX XXXX job but they would send me a check for {$2000.00} first. Then once I receive the check, I would need to deposit it then would need to send money to the people who would put the software in the computer. So, I received the check on XX/XX/23. Then I was advised to start sending the money to these certain people through XXXX due to XXXX wasn't working. So, on XXXX I would XXXX XXXX XXXX XXXX. Then XXXX XXXX XXXX XXXX and then another XXXX. Then advised to transfer the remaining XXXX to myself for a sign on bonus. Then on XXXX I would find out that the check that I deposited came back as a fraud. I then in turn filed a dispute with the bank and filed a police report in regards to this scam. I just was notified that the bank denied my claim due to me using XXXX they aren't responsible for the funds sent through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX XXXX XXXX has agreed to remove the unauthorized inquires from my Transunion report. I did not apply and have no credit with these people. 

XXXX XXXX/XXXX/XXXX my id is attached please verify my signature

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 2015-09-23
Company: Delbert Services
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
You took out the loan with Western Sky Financial XXXX XXXX XXXX. The original loan amount was {$2600.00} on XXXX XXXX, 2012. I was charged an APR of 139.12 % daily. I have already paid {$6100.00}. XXXX back on this loan. I live in Pennsylvanian and payday loans are illegal. I did not know this at the time that is was not legal for them to charge me this excessive amount of interest. I have paid {$3500.00} over what was originally borrowed but I still receive calls from them daily requesting payment of a balance of {$2000.00}. This new balance is only because they have reduced the illegal interest to 6 % daily. I do not believe I owe this additional amount because I have already repaid my loan and a fair amount of interest on that loan. When I took out the loan they misrepresented the terms and conditions on the loan. According to those terms I would have had to pay back {$14000.00} for a {$2600.00} loan! I would have never agreed to this if the terms were clearly explained.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: ALLY FINANCIAL INC.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
ALLY XXXX RAN MY XXXX CREDIT 9 TIMES IN 1 YEARS 8 TIMES WITHOUT WRITTEN APPROVAL IN VIOLATION OF FCRA.

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 2016-12-12
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had this disputed on a credit report over XXXX years ago. I had my bank card information stolen previous to this debt and had multiple charges that I did not make. This being one of them. This is over XXXX years old and this company that has bought this debt from the original company keeps updating the collection which makes it appear as a new collection and is ruining my credit. Please help me. I do not know how to make this go away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-14
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have had issues with Selene Finance ever since our mortgage was sold to them. There are some charges on our mortgage statement that they ca n't seem to explain. My first request went out in XXXX, 2015 and we have still have not gotten an explanation to date. Back in XXXX of 2015, they responded that further investigation is needed. I believe the charges are bogus and fabricated. I contacted them again last week, and received a letter in the mail that they are looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Carter-Young, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
It 's been an ongoing issue with Carter-Young, the employees are very rude, unprofessional, and dishonest. The owner XXXX XXXX, has refused to send me requested documentations to settle an XXXX XXXX XXXX debt. I 've requested to have this debt removed off of my credit report, because the owner refused to send me a letter stating that he would have it removed off of my credit after paying. I 've disputed this debt and they are not removing it. This debt is now XXXX XXXX XXXX and past the date to have it removed off of my credit and they are still refusing to have it removed, which is breaking collection codes, and it 's causing me stress, and hurting my credit score. I am in the process of hiring an attorney to handle this if I ca n't get it resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX, new jersey XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to 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 explanation
Consumer complaint received 2015-04-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I originally had filed a complaint with CFPB against a debt collection agency XXXX XXXX XXXX XXXX XXXX that had reported a debt collection inquiry with all three credit bureaus ( Equifax, XXXX and XXXX ), which in turn lowered my credit score. That inquiry was not valid, and as such, I fought XXXX XXXX XXXX ( XXXX ) for them to remove me from their systems and remove the debt colleciton inquiry against all XXXX credit bureaus mentioned above. XXXX responded that they would in fact remove me from their systems as well as remove all debt collection inquiries made to the credit bureaus mentioned above ( Complaint # XXXX ). 
Equifax, unlike the other credit bureaus, have not removed the debt collection inquiry on my credit report as of XX/XX/XXXX. I am attaching the XXXX correspondence made through CFPB for CFPB to forward to Equifax as proof that the debt collection inquiry they have listed in my credit report should in fact have been removed since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has my name wrong and accounts that are not mine on my file. My name is listed as XXXX and my name is XXXX Accounts added to my file I 'm unaware of are Online Collection Services # XXXX Rent Recover LLC # XXXX Diversified Consultants # XXXX and account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Their is a credit reporting ( XXXX XXXX XXXX ) on my credit report that is past the 7 year. This credit reporting by law should be removed. I am requesting that this credit item be removed from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/16 a loan modification package was submitted. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form needed to be updated and it was submitted the same day. 
On XXXX/XXXX/16 a call was placed to check if anything else was needed. The XXXX form previously submitted had not been reviewed. " A message was sent for the documents to be reviewed. '' At this point, Seterus had a complete package. 
On XXXX/XXXX/16 another call was placed to check on the status. No update and sale date still on. " A message was to the escalation department. '' On XXXX/XXXX/16 sale date still on, no update, no additional documents needed. 
Should n't they at least postpone the sale date if they have a complete package? Are they going to review the package for a loan modification while they are trying to foreclose at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX The inquires are not a factual report of access to my credit report, it was placed on my credit report my mistake. I have contacted the companies and they do n't know who I am. 

These are mistakes look at how may inquires there are IT IS INSANE TO THINK THAT SOME ONE WITH MY GOOD CREDIT WOULD DESTROY IT LIKE THIS ... .THINK ABOUT IT????? 
REMOVE THE INQUIRES DO NOT USE THE e-OSCAR system give this call to a supervisor TO REMOVE THE INQUIRES PER THE FCRA SHOW HOW THE INVESTIGATION WAS DONE DO NOT PLACE A FRAUD ALERT ON MY CREDIT PROFILE!!!!!!!! 
DELETE XXXX DELETE XXXX DELETE XXXX XXXX DELETE XXXX THEY DOD NOT KNOW WHO I AM AND HAVE NOTHING TO SHOW I APPLIED FOR CREDIT. I DID N OT APPLY FOR CREDIT!!!! 
EQUIFAX GAVE THEM ACCES TO MY CREDIT NOT ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than 3 a month on average. I work in the XXXX room and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX BANK Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
IM WRITING THIS LETTER ON MY OWN. I swear all information provided within the attachment under the penalty of perjury is true and accurate to the best of my ability and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AES/PHEAA
State: IN
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:
Completed forms for the PSLF & TEPSLF certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted twice on XX/XX/XXXX and XX/XX/XXXX. However FedLoan did not count these time periods as part of my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Affirm 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: Account status incorrect

Complaint:
*****THIS IS NOT A DUPLICATE COMPLAINT- I HAVE ADDED NEW INFORMATION REGARDING AFFIRMS ILLEGAL REPORTING PRACTICES AND FOR FALSELY STATING ONLINE THAT IF THEY REPORT TO CREDIT THAT THE FULL PAYMENT HISTORY WOULD BE REPORTED - AFFIRM CAN'T JUST PICK AND CHOOSE WHO XXXX  XXXX IT WANTS TO REPORT AND WHEN. ********* Affirm is currently reporting ONLY after a late payment was made on an account that wasn't ever late - and they only reported the " late payment '' month and going forward on my credit, in spite of having these loans for quite a long time, which was never reported until I was supposedly late on a payment, which I absolutely was NOT late, period. Additionally, one of the accounts in question was fully refunded back to me and was on two week payment terms, not month to month, yet they reported it as a month to month payment. 

**PLEASE SEE THE ATTACHED SCREENSHOT OF AFFIRM 'S WEBSITE- IT CLEARLY STATES THE FOLLOWING : " Reporting to credit bureaus Affirm currently reports some loans to XXXX and XXXX report to other credit bureaus in the future. Please note that this can include loans with delinquent payments, which XXXX impact your credit. If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. 

Please refer to the " Credit Reports and Monitoring '' section of your loan agreement for more details. Your loan agreement can be found by selecting Loan terms under the Details section of your loan in the Affirm app. '' LIE # 1 : " If your loan repayment activity is reported to a credit bureau, the entire loan history will be reported. '' LIE # 2 : " Affirm currently reports some loans to XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., XXXX Trans Union respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Collection Bureau of Walla Walla
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Md XXXXMy loan turned from XXXX XXXX to XXXX. I had a deferment until XX/XX/XXXX with XXXX XXXX. I received a letter from XXXX stating my loan was delinquent XX/XX/XXXX. XXXX representative said they would do a retroactive forbearance. In XX/XX/XXXX I called XXXX again because it was still reporting late. XXXX then gave a retroactive forbearance from XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation