BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Navient Solutions, LLC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have attempted multiple times to get Navient and the Credit Reporting agencies to update my three private student loans. When I made a payment to Navient it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when Navient claims I made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by Navient at the time, not my private loans. 

I have contacted XXXX and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with zero help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my XXXX  at XXXX XXXX. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. Navient is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
an auto pay set up for services. 
The costs of services XXXX 2019 - XXXX increased significantly XXXX XXXX the service cost doubled and I was never notified of increases, funds were extracted out of 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 2022-10-18
Company: Experian Information Solutions Inc.
State: MS
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:
Experian is currently reporting the collection account from XXXX XXXX XXXX Account # XXXX with a past due balance. This is incorrectly reporting and after several attempts, the problem has not been addressed, nor has the reporting been validated or verified.

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 2022-10-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Two fraudulent charges on my " Marcus '' credit card, totaling {$1100.00}. Have been attempting since XX/XX/2022 to get Marcus to " refund/reimburse '' these charges to my credit card UNSUCCESSFULLY! The Fair Credit Billing Act proscribes that Credit Card Companies MUST refund all fraudulent money charged/stolen against the victim except for {$50.00}. Marus by Goldman Sachs REFUSES to refund these fraudulent charges against my credit card. A XXXX XXXX employee " over-charged '' my card with two separate line charges over and above the " true cost '' of the ticket. XXXX XXXX did refund the cost of the ticket ; however, XXXX XXXX refuses to refund the other two fraudulent charges totaling {$1100.00} stolen by their employee. XXXX XXXX sent to me an email saying these additional charges by their employee is " Fraud '', but, refuses to refund my money. Marucs refuses to reimburse me for this fraud as well. 

I have documented evidence I wish to upload to my complaint substantiating my assertions above. I desperately need your help. A crime was perpetrated against me- I was robbed by a XXXX XXXX XXXX, which XXXX XXXX gave him the XXXX & XXXX to perpetrate this crime of theft against me, yet they refuse to refund the " Entire '' amount charged against my Card by XXXX XXXX. 

Marucs by Goldman Sachs refuses to recognize their legal obligation, as required by the " Fair Credit Billing Act '' to me as a client and credit card user and reimburse me/refund me for the {$1100.00} I was " Defrauded '' by the XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Como Law Firm P.A.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX dismissed XXXX XXXX XXXX, XXXX judgement for an unpaid balance of {$10000.00} on XXXX XXXX, 2015, but debt collectors from XXXX XXXX continue to repeatedly call me and harass, verbally abuse and swear at me and threaten me with arrest and wage garnishment. The debt do not belong to me. The court dismissed the judgement against me. XXXX XXXX XXXX XXXX, is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail and fax for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages. Identity Theft Report FCRA Section 605B law Please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX {$1700.00} TransUnion ACCOUNT XXXX {$1200.00} TransUnion XXXX XXXX FL {$1200.00} TransUnion ERC 11 XXXX {$800.00} TransUnion XXXX 11 XXXX {$800.00} TransUnion XXXX XXXX FL {$750.00} TransUnion XXXX XXXX C {$550.00} TransUnion XXXX {$440.00} TransUnion XXXX XXXX FL {$170.00} TransUnion Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL 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 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I asked Transunion why the dropped my XXXX score by XXXX points, of course they just could n't answer the question, so they said the account listed below is the reason listing " new information '' this is totally false and inaccurate, I have made all payments on time more over I have paid XXXX to creditors sins this report, I have researched this extensively and my XXXX score should be going up by leaps and bounds as I have played XXXX to creditors and have not missed XXXX payment. Listed below is the fair crdit act which they are in violation of. 

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 2022-10-18
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
An unknown, unrelated, XXXX XXXX account appeared on my online list of Truist accounts. I immediately reported it to the bank 's fraud phone line but they could not explain it or fix it or change my account numbers. I called the XXXX XXXX XXXX whose mystery account showed up on my online list, but they could not explain it or fix it. I reported this fraudulent activity in person to a Truist bank officer, who issued me new checking & savings account numbers & ordered a new credit card. She ordered replacement checks with the new account number with assurance that the charge would be credited via the customer help line. She said she could not waive the charge herself as she had been able to before the bank became Truist. Eventually {$32.00} was charged for replacement checks that were required due to the reported fraudulent activity, which the bank officer promised would be refunded by Customer Care. When the charge appeared I called Truist customer care, but the phone representative would not issue a credit & would not escalate my call. The reported fraudulent activity is STILL present online & uncorrected. Also, with the change in account numbers, I lost online access to all of my previous years of statements ( under the previous account numbers ) -- the information is now missing, it was not transferred or carried over to the new account numbers. This caused an outstanding check to be returned with a insufficient funds fee of {$34.00} that I repaid the payee. The credit card stopped sending statements & alerts & for a time I lost access to old & new accounts, resulting in a late fee I only discovered when I got a robo phone call ; once online, I also noticed a {$38.00} discrepancy in charges. I sent them a separate complaint with prepaid return receipts costing {$18.00} that they did not send back. They refunded the late fee but not did not send a reply or address the discrepancy. In XX/XX/2022 I sent a new complaint to Truist ( 6 pp letter plus 18 pp of attachments ) & have not received a reply, acknowledgment, correction, refund, or apology.

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 2016-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
TRANSUNION has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that TRANSUNION HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - TRANSUNION are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. TRANSUNION is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
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:
I just received my reinvestigation back from EQUIFAX. THEY SAID EVERYTHING IS 100 % COMPLETE AND ACCURATE. I WOULD LIKE TO RECEIVE THE DESCRIPTION ACCORDING TO 15 U.S.C 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is not 100 % accurate. 
XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX all of them They did not modify or delete the inaccurate information on my consumer report according to 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) I attached my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
my chase XXXX visa cc keeps getting declined i have to call them on a daily basis to get charges to go through they keep saying it is my address but my address has not changed since i got the card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has turned me over to a debt collector ( Convergent ) for equipment charges from when we lived in XXXX. We moved from XXXX to XXXX at the end of XXXX, XX/XX/XXXX and have not heard anything from them until we got a letter from Convergent on XXXX XXXX, XX/XX/XXXX. Our mail was forwarded for a year after moving and we had been on paperless billing and auto bank withdrawal for our monthly charges. We never received a bill in the mail and never got any emails from XXXX after moving. 

After 2 weeks of trying to resolve this with XXXX, they say we owe {$130.00} for equipment that they say we did not return. Before we moved, we DID return our equipment and had a receipt which we had kept until approximately the beginning of XX/XX/XXXX. We have since destroyed all paperwork from XXXX assuming that all was well since we had never heard anything from them during that time. XXXX says that they will remove the charge when we produce the receipt.We HAD a receipt we could have given them if they had contacted us within a year or so of moving. 

We did all of our own packing for the move so the items could not have been packed by accident by movers. We were moving out of state and had no use for their equipment. If we had been contacted in a timely fashion by XXXX, we could have proved our case. Waiting almost 3 years to finally contact us via a debt collector is not fair to us as we can not prove that we returned the equipment at this point in time. We do NOT owe XXXX {$130.00} for equipment that we already returned to the company. 

We have contacted the Attorney General 's office in both XXXX and XXXX. XXXX said it was not their problem since it occurred in XXXX and I should contact them. I was only able to leave a message with an attorney at the XXXX AG office and he has never returned my call. Surely some kind of statue of limitation exist regarding how long I 'm expected to keep a receipt from a cable company

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 2022-10-18
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family had recently moved into our new home. I was sadly laid off from work the same day my house was put on my lot. So money is very tight have been collecting {$560.00} from unemployment. And anyone with common sense would know the current situation. Basically a lot of bad luck at the moment. Now there was a mishandling of some documents that the home builders were supposed to send to the bank concerning when the first payment was due. To our knowledge, the first payment was due on XX/XX/XXXX which the documents stated. Sadly that was not the case apparently the first payment was actually due on the XXXX of XXXX. We hadn't even been living at the home for a week. I was out of a job and my stepson was also. By the grace of XXXX, we found jobs and have been working for roughly about two weeks trying to earn up the money. My issue comes here... A lady called me today and was asking for {$1600.00} to be paid immediately. Now I tried to arrange a {$2000.00} payment with her for Friday, XX/XX/2022. She stated that " no you don't need to make a payment of {$2000.00}. When I'm only asking for the month of XXXX ''. She then transferred the phone to a gentleman who was extremely rude and even told me " I don't care how you get the money, sell, pawn, or do whatever. But I need a payment of XXXX ''. That was a new amount for me so I asked him why that amount. I'm not very familiar with the law but to my knowledge, I have roughly 30 days to make a late payment. If that is correct the 30 days ended on Saturday XXXX of XXXX, 2022. Now my stepson offered to pay the {$1600.00} TODAY XX/XX/2022. But he said no he wants the {$3300.00}. Now if he would've just accepted that today and the {$2000.00} on Friday everyone would've gone home without a headache. I attempted to make the payment online right now and it has seemed to have been blocked by him. I don't understand why he has to be so difficult can he not comprehend we as a family are in very tight situation money-wise, and I'm offering him a resolution and he does not want to take it? We don't have the full money today but have half of it, why be so complicated to crush a family 's dream of being homeowners what happened to the XXXX XXXX? Yes on XX/XX/2022 we spoke on the phone to login into my account to keep track of the payments. I had said to him that on XX/XX/2022 I would make a payment, sadly we only had very little money earned and missed the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation