BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-31
Company: ALLY FINANCIAL INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Ally lending falsely released funds to XXXX XXXX XXXX for unfinished/and substandard work. XXXX XXXX XXXX was hired on XX/XX/2021 to replace the plumbing throughout my home. XXXX XXXX ( representative for XXXX XXXX XXXX ) informed me that funds from the loan would not be released until XXXX XXXXXXXX XXXX completed the work. I was told by XXXX XXXX that the job would be complete in approximately a day and a half. On XX/XX/2021 the water was shut off and all of the plumbing was removed from my home. Garbage was thrown on my lawn were it remained for a month. The work remains incomplete. Ally lending release the funds to XXXX XXXX XXXX on XX/XX/2021. Ally lending have been made aware of the situation but have continued to pursue me to pay this dishonorable debt.

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 2018-04-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have previously attempted to lower the payments to Navient and they will not allow it. I have been making payments but not the amount they are requiring. I applied for the loans, my daughter is the one that attend school. I'm receiving phone calls at my work number from phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: GOLD STAR MORTGAGE FINANCIAL
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several errors were made at closing, I was mislead to believe my payment would be XXXX. 

The errors made in their favor created an illusion of the correct payment. When in fact the payment is XXXX higher than what I agreed on. 

The escrow amount was entered in wrong causing a XXXX shortage. Which they stated they would pay on XX/XX/2021 by sending me a check. 

After three attempts to get the tracking number for the check they are ignoring me. 

I can not upload the emails. Once I have an account I will be happy to upload all correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-12
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
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: Account information incorrect

Complaint:
While checking my personal credit report, which I acquired from [ Experian, XXXX, XXXX ], I noticed an inquiry made by : -XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am the cosigner to my son 's student loan and I would like removed from this loan. Also, it is an adjustable rate loan and it keeps going up and up. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Collection : XXXX XXXX XXXXXXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX XXXX XXXX, Collections : XXXX XXXX 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 furnished a account with out 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 explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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 2022-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sir/Ma'am : I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX XXXX I purchased an used XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. They also sold me auto service contract and XXXX insurance offered by their partners/associates. XXXX XXXX XXXX declared my car a total-loss in XX/XX/XXXX after I had an accident and paid {$12000.00} to the financing company ( XXXX XXXX XXXX XXXX XXXX XXXX and the remaining was paid by the XXXX insurance. For some reason this financing company either changed its name or has a partner with the name of XXXX XXXX XXXX and transferred my loan them. I tried contacting them several time to get my auto service contract amount that I never used, but they keep passing that to each other and still unsuccessful. Recently, I was trying to apply for a loan, and I found out that my credit report shows an unpaid balance {$3000.00} with XXXX XXXX XXXX. I called every single one of the above mentioned companies to solve this issue as it has ruined my credit, but none of them helped and told me that my account is closed with them.

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 2022-09-12
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Theyve been taking money from my account without my knowledge. This has happened several times. Once I caught on, I complained to Direct Express and got the runaround. Placed on hold for XXXX  hours. Requested a paper copy of my statement TWICE, never received it. I finally was able to file a dispute. It took XXXX weeks for them to investigate. Finally got my money back. After tons of anxiety, stress, and sleepless nights, I was relieved to have my much needed money back. Im unemployed due to my illness and that fixed income isnt much and I have a family so every dollar counts. The moment I finally felt relieved, I checked my account and to my surprise, they took the money I just fought for back. I did everything they asked. I provided confirmation numbers, contacted everyone, sent documentation and I won, so how can they take back the money without telling me? Once I called again SEVERAL times, then they informed me that the decision was made to take back the money. They blamed the merchant but they provided confirmation so it wasnt the merchant it was DIRECT EXPRESS. Theyve done this several times. Im losing trust, Im afraid to use cards now, my XXXX  is at an all time high, Im having sleepless nights AGAIN, Im unable to handle business due to lack of funds and stressing over being robbed of my money from a card company that I trusted. I still havent gotten my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company Name : CONGRESSCOLL Account XXXX Date Opened : XX/XX/2019 Balance : {$50.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In  XX/XX/XXXX  I hired  a licensed builder to add an addition that included a garage, bedroom, bathroom and bonus room to our home. The builder contracted a licensed  architect ,  XXXX   XXXX  to draw up plans for the new addition. The  Plans  were finalized and signed by    XXXX   XXXX   in  XX/XX/XXXX .   <P/> Meanwhile I contacte d   XXXX   XXXX   of Prime Lending in   XXXX  , NC in  XX/XX/XXXX  to start putting together a construction loan for the new addition. The construction loan documentation was completed and the closing was in  XX/XX/XXXX .   <P/> The town advised us that we needed to   replace the septic. My current builder   XXXX   XXXX   had no experience septic builds so in  XX/XX/XXXX  I terminated my contractor   XXXX   XXXX   and hired   XXXX   XXXX   friend   XXXX   XXXX   who is a licensed builder already vetted by Prime Lending to complete the addition because he was more knowledgeable about septic builds.
<P/>  Draws against the construction loan were taken to pay for : the time the original builder put in a new septic to accommodate the additional bedroom and bathroom a new water heater.  <P/> On   XX/XX/XXXX ,  XXXX  co ntacted me via text saying that a problem came up with the town. It turned out that the current setback did not accommodate the new garage addition. No one checked with the town during the drawing up of the plans.   The builder,  XXXX , drew up a new addition that was aesthetically disappointing and did not include a garage.  <P/> In   XX/XX/XXXX , I  contacted  XXXX   XXXX  and told him that the construction money would have to be paid towards the mortgage principal because we could not go ahead with the addition. He stated that this was the first time theyve ever done this so they will have to research to find out what to do but his underwriter did not contact   XXXX   XXXX   for direction un til Mid- XX/XX/XXXX .   <P/> I filed a complaint with    XXXX   XXXX   in  XX/XX/XXXX  but they have not resolved the issue I am paying interest on {>= $1,000,000} that is sitting in an account making Prime Lending money when it should have been transferred to my mortgage loan principal in  XX/XX/XXXX  when I first made the request. Repeated status requests to Prime Lending get me nowhere. It seems that they are happy to let my money sit in their account earning them interest while I pay interest on money that I have no control over.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax had a XXXXard inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. This inquiry was not authorized by me and don't remember inquired anything from XXXX. 

Equifax had a XXXX inquiry on my credit file on XX/XX/XXXX Hard Inquiry made by XXXX XXXX. I was misinformed that This inquiry was not going to reflect on my Personal credit report, since it would be under ( XXXX ) Business account it would be a Soft pull on my personal report to verified my identity and hard pull on Business DUN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: CITIBANK, N.A.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i lost my credit card overseas i reported to citibank as the card was lost someone used my card when i report to citibank i have very bad communication with customer service i missed to report one charge for XXXX they denied my case for that charge i miss reported i have been in contact with them more then 30 times plus i send them letter explain what happened i'm not getting anything from them please i need your help with this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Experian Information Solutions Inc.
State: IL
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:
Requested validation of XXXX XXXX debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile. 1st request sent certified mail XXXX/XXXX/17 ; response was " verified '' 2nd request sent certified mail XXXX/XXXX/17 ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile : * These items remain on my credit report in violation of Federal Law. * Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct. * These negative records are also listed on my report as duplicate records ( 2-4 times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On  XXXX   XXXX   2017  I received a letter from the IRS instructing  XXXX   County Circuit Courts and the Credit bureaus to remove a paid lien entry on my credit  reports, I sent them both a certified letter showing this, They have failed to comply and remove this entry from my credit reports as they are unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Experian Information Solutions Inc.
State: MI
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:
These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts XXXX included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX   XXXX  / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.

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 2023-02-09
Company: Checkr, Inc
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company put outdated information on my report which lead to me being unable to work thru variably violating my rights an ran me thru the mud which is a federal offense

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine

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