BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-13
Company: Pacific Union Financial, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Automated Accounts Management Services
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AAMS LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/2020 with a balance of {$30000.00} -This is not my account.

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 2020-10-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
back in 2018 I was unemployed and had reached out to the company about an administrative forbearance. they sent me the paperwork to fill out and I had sent it back and they claimed they had never recieved the paperwork and in return they had reported my account as negative for 3 months. I have been calling and sending good will letters for the past 2 years and have made payments on time for the past 2 years without missing a payment and the company refuses to do anything. I have tried to speak with several account managers about this and they tell me that they can't do anything but keep calling me demanding payment in full in exchange for them to consider redacting the information they had reported. this information on my credit report is detrimental to my credit report and I have sent several letters to all three credit monitoring agencies disputing this information and the reporting agency to no avail. I am now at risk of bankruptcy due to this negative information having a substantial impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, EXPERAIN, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, EXPERIAN, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE 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 explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to XXXX and Experian and they have not updated XXXX  since XX/XX/2019.

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 2022-05-12
Company: EQUIFAX, INC.
State: OH
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy. 

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: ORG GC GP Buyer, LLC
State: AL
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:
Creditors are not reporting correct information to XXXX, XXXX, XXXX. On XX/XX/2020 I contact GC Services Limited Partnership via telephone ( XXXX ) in reference to a correspondence received deliver to my mailbox offering a settlement to resolve my XXXX XXXX XXXX XXXX Account. The offer was accepted and the payment was made to fully resolve the account. I immediately request proof of payment, as well as, proof that the account was settled in full. They requested I send a email to request the verification that the account was fully settled. On XX/XX/2020, I received a call from their unit manager requesting a fax # for them to fax the proof of resolution. She stated the information would be reported to the the credit reporting agency and updated by end of month XX/XX/2020. As of date XX/XX/2020, the negative information is still showing on ALL 3 credit bureaus and has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have exceeded past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information that can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2022-05-12
Company: EQUIFAX, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Equifax multiple times to get my name updated & my address they have address on my account that are not mine I faxed my drivers license Marriage certificate & W2 to XXXX the fax number they provided I spend time & gas to fax from the UPS store & Equifax keeps telling me to refax it I have proof it was faxed date & time stamped I can attach copies. They are causing me to get denied for a home I need to rent because the house I'm living is is being sold. I spend hours on the phone with them not getting help. I'm beyond frustrated as this is affecting my life & my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: OH
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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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

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 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2015 I bought a new car. The car dealer, without my authorization, submitted my information to multiple financial agencies which resulted in XXXX hard inquiries. I have contacted TransUnion multiple times but their instructions are unclear and when I send information to try and solve this issue it never works. I have XXXX hard inquiries in my credit report, XXXX of which are unauthorized I will thus like them removed.

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 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to purchase a home and found that i have a bankruptcy on my credit from the Nevada Federal court. This is not me because I have never been to Nevada. I filed a dispute with Trans Union because it is only showing up on that report. After the XXXX days was up, I called them and they informed me that it had been investigated and found accurate. i never received communication regarding the findings and when I asked to have it sent to me they informed the that that information was n't available. I have provided them with a letter from Nevada Federal Court that states I do n't have a bankruptcy in their system and have supplied that to Trans Union. Trans Union i not willing to supply the process or contact information for the vendor used to verify the item they put on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please be advise i have debt on my credit report which couple time i complain to XXXX XXXX and told them was in XXXXXXXX XXXX XXXX XXXX  THERE sent me letter that this was settle. The promblem is continal backs alot of crdit cards. But the collection co TRIDENT ASSET MGR I send the letters and phone calls, AND if you go on there web site you see that alot people has the same problem. and call them you only get a voice mail and no get back to you. Plus i never got a collecton letter from them. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XX/XX/2019 as a well know auction company, an agreement of consignment was endorsed advertise/market and sell absolute on site auction of a variety of personal property. The people endorsing the agreement, paid $XXXX for initial advertising/marketing cost, sent via Paypal. There was cataloging, profiling, clean up, photos, several thousand colored brochures printed and mailed to varies potential buyers, several extra trips due to their construction issues, several employee's (10)+ making 10+ trips to work. Advertising in local newspaper, internet sites, on line auctions performed. Due to the unexpected auction turn out and sold items, the sellers wanted their advertising/marketing money returned. Their objection and complain to Pay Pal was DID NOT RECEIVE MERCHANDISE,  but there was not merchandise, only services as advertising/marketing, cost of the auction.
I sent a copy of the agreement, expenses, and copies of the sold items of over $10,000.00, our company had several hundred dollars of out of pocket expenses, But, Pay pal advised and ruled in the sellers favor. Due to the arrangements of their firm, we have been TOTAL unable to speak with anyone, ONLY a virtually chatter. We need your assistance in resolving this issue. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: AES/PHEAA
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:
My account was placed in a forbearance during the time that Fedloan Servicing reported late payments in XX/XX/2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in XX/XX/2017specifically, XXXX, XXXX, XXXX, andXX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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 Convergent Account # XXXX GXXXX XXXX XXXXs, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My job at the XXXX just dropped my payroll check into my account and my bank did not think I knew so they keep trying to slide it out before I can verify that it is there. Some of the employees are biased against XXXX and as a result they keep trying to steal their deposits at Goldman Sachs USA. They are also doing a mass layoff so those fearing this are stuffing their pockets with anyones money they believe an oversight wont notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA Federal Savings Bank has placed a security hold on all my accounts, preventing me from accessing funds from XX/XX/23 to the present. I believed this was done in response to an erroneous fraud trip associated with attempting to transfer {$200.00} from my USAA account to my XXXX XXXX XXXX XXXX on Friday ( XX/XX/23 ). The transfer was attempted using the XXXX app, as endorsed by USAA ; however, I received an error and was asked to try again later. I attempted to perform the transfer XXXX more times ( XXXX total ), at which point a hold was placed on my XXXX apple pay debit card. I contacted USAA and cleared the matter on the same day. However, USAA claims to have determined some form of fraud was detected on that Sunday ( XX/XX/23 ) and placed a hold on all debits from my checking and savings accounts. 

I was unaware of the hold until I called Tuesday after I was unsuccessful in my attempts to transfer funds from my savings account to my checking account to cover an upcoming credit card bill from an outside creditor. USAA told me that on Sunday ( XX/XX/23 ) that my account was on a security hold, and they could not comment on why until the XXXX department completed their review, which would take " up to XXXX business days and XXXX hour but was assured that I would have access to my accounts upon completion of their review. 

I contacted USAA Thursday ( XX/XX/23 ) when I was still unable to access the monies in my account. Again, I was told that the fraud department had my accounts on a security hold. USAA said they could not comment on why until the review was completed, which would take " up to XXXX business days ''. As of this point, I have not had access to my money for 4 days, and with the holiday weekend coming up I will not have access for at least an additional 4 days, a total of 8 days ( at minimum ). 

Within the last 6 months, I have moved my family to a new state, started a new job, and purchased a home. Our finances are already limited due to these major life changes and financial obligations, resulting in drained savings and maxed-out credit cardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the most inopportune time for our bank to restrict access to our money. We are unable to pay bills, secure and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs, or even fill our vehicles to commute to and from XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation