BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently checked my credit report and noticed errors on my report that i have no knowledge of or authorized. I reached out to some of the creditors and I have been given the run around. I contacted the credit bureaus about this and I was told to file out an online dispute. I made several attempts an I was unsuccessful to gain access because it says I have answered some of my personal questions wrong. This became alarming and contacted the bureaus again and was again brushed to the side. This inaccurate information is putting a damper on my credit situation and causing me great financial hardship. Please help me resolve this issue.

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 2016-08-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I WAS LOOKING AT MY FREE ANNUAL CREDIT REPORT, AND I MADE SOME DISPUTES, AND WHILE LOOKING, I GOT LOGGED OUT -- DELIBERATELY THIS SCUM. I HAVE A RIGHT TO ONE FREE ANNUAL CREDIT REPORT, AND HOW DARE THEY PULL THE NONSENSE. I SAW PROBLEMS, AND DISPUTED, AND THEY KNOW KNOW KNOW KNOW THEY ARE MAKING HUGE MISTAKES, BREAKING THE LAW, SO THEY WANT TO LOCK PEOPLE OUT. 
I FOLLOWED THEIR ONLINE INFORMATION TO " CONTINUE VIEWING YOUR CREDIT REPORT '' HOWEVER, IT WILL NOT LET YOU -- GET TO THE LAST PAGE, THEY WANT 1 ) MONEY 2 ) MAKE YOU JUMP HOOPS BY NOW HAVING TO WAIT FOR THE MAIL. LOOK, I SAW IT ONLINE, I AM UTTERLY BLOWN AWAY THESE XXXX HAVE THE NERVE TO LOG YOU OUT AND MAKE IT A XXXX BECAUSE YOU FIND MISTAKES. 
I WAS NOT FINISHED. 
THESE COMPANIES LEADIGN WITH XXXX ENGAGE IN SO MUCH LAW-BREAKING ACTIVITY AND SO LITTLE IS DONE. IT 'S HIGH TIME CONGRESS CHANGE EVERYTHING AND START HOLDING THESE XXXX, EXPERIAN AND XXXX ACCOUNTABLE. 
ALL THEY WANT TO DO IS FORCE YOU TO BUY THEIR " PRODUCT '' THEN THEY WILL FOLLOW THE LAW. 
THAT IS EXTORTION. 
EXTORTION IS ILLEGAL. 
I WANT MY CREDIT REPORTS. IT HAS BEEN A YEAR AND ONE MONTH.

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 2022-11-21
Company: Mercedes Benz Financial Services
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Someone used my information with Mercedes Benz Financial Services to receive a car in my name/ co-signer. I immediately disputed the inquiries from Mercedes Benz Financial and filed a police report and FTC report and these reports were sent to XXXX I never received a call back from them but I did contacted the investigator side of XXXX and they said oh we talked to XXXX XXXX XXXX and we stated I said it wasn't fraud! Not True! They contacted the person who stole my identity and he verified him as XXXX XXXX but it wasn't really me ( XXXX XXXX ). They removed the fraud account from my credit file and then put it back due to verifying the account with the man who stole my identity. Why would they call the mans cell number who used my information. Then they used a address in South Carolina and I live in XXXX NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BlockFi Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Blockfi.com has locked my crypto currency amounting to {$4900.00} on their platform that they had guaranteed was safe. They are withholding my life savings because they had illegally used my funds for failed investments. I have emailed called and complained and have not heard any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Genesis Lending
State: TX
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:
-  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.00} of that is interest ) - After many complaints to the IRS about the invalidity of this debt, they made me go on a payment plan or threatened to have my wages garnished. So now I am paying {$100.00} per month to resolve this debt with the IRS. But do not feel that this debt is valid. So now after I, hopefully, get this resolved, I will need to work on getting a refund from the IRS.     - I never signed a loan with Genesis Lendi ng Services, that I can remember. I have since created an account with www.studentloans.gov to see if I could find my Master Promissory Note, an d it 's not registered in the system. I then called  XXXX  University to see if I could get a copy of the MPN, and they said that the campus I attended closed and they do not have access to those records yet.

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 2016-06-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account does not belong to me and I was unable to verify this debt. I sent a debt validation letter out to XXXX XXXX XXXX and was unable to reach them. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. My letter was 'returned to sender '. Please see attached photo of returned letter and address on credit file.

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 2021-09-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
MY XXXX XXXX XXXX SON WAS BEFRIENDED BY UNKNOWN PERSON ON XXXX, WAS TOLD HE CAN MAKE MONEY BY CASHING A CHECK. HE RECEIVED A CHECK OF {$4500.00} AND WAS TOLD TO DO A MOBILE DEPOSIT AND THEN INSTRUCTED TO SEND MONEY OFF TO DIFFERENT PEOPLE THRU CITIBANK " XXXX '' OF {$1000.00}, {$1000.00}, AND {$500.00} AND WAS TOLD HE CAN ALSO KEEP A PORTION OF THE MONEY. HE DID THE MOBILE DEPOSIT AND THEN STARTED TO REALIZE SOMETHING WASNT RIGHT AND FEARED THIS WAS NOT A LEGIT SITUATION AND SOUNDED LIKE A SCAM AND TOLD THEM HE WASNT GOING TO SEND THE MONEY AS REQUESTED AND WAS GOING TO TELL THE BANK THAT IT WAS A SCAM AND WOULD NOT CONTINUE WITH SENDING OFF THE MONEY TO THE PEOPLE THRU XXXX AS THEY INSTRUCTED HIM TO. THEY THEN SENT HIM PICTURES OF A GUY ALL DRESSED UP WITH A XXXX AS A XXXX  AND CALLED HIMSELF AN XXXX AND HE WAS SENT TO XXXX MY SON IF HE DIDN'T DO AS THEY SAY. MULTIPLE VERY THREATENING MESSAGES. HE FEARED FOR HIS LIFE AND ENDED UP SENDING THE MONEY AS REQUESTED THRU XXXX. AFTER THAT HE CAME TO ME FREAKING OUT THAT AND I GOT INVOLVED AND CALLED THE BANK TO REPORT THE FRAUD AND DISPUTE THE CHARGES. THE MOBILE CHECK THAT WAS DEPOSITED APPEARED VERY FRAUDULENT THE 1ST SECOND I SAW IT WAS SUPER OBVIOUS. THE BANK 1ST OF ALL SHOULD HAVE NEVER ACCPETED THAT CHECK. THEY SHOULD HAVE REJECTED IT. THE BANK DID NOT HONOR OUR DISPUTE FOR THE 3 XXXX PAYMENTS AND I APPEALED THEIR DECISION AND THEY ONCE AGAIN RESPONDED THAT I AM RESPONSIBLE FOR THE CHARGES OF {$2500.00}. I FILED A POLICE REPORT - MY SON WAS THREATENED AND FEARED FOR HIS LIFE AND THE BANK IS NOT CONSIDERING THAT AND NOT TAKING RESPONSIBILITY THAT THEY SHOULD HAVE NEVER ACCEPTED THE DEPOSIT IN THE FIRST PLACE.

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 2015-12-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously disputed this Bankruptcy on my account a while ago and it was removed and now I see it is on my account again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account name : XXXX XXXX Account # XXXX. 
Account name : XXXX XXXX XXXX XXXX. Account # XXXX. 
Account Name : XXXX XXXX. Account # XXXX According to : 15 U.S.C 1861 section 602 A. States : i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it is also consumer reporting agency can not insrtuctions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any cons item of information. Any other adverse item of information, other than recordsof conviction more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer person knows or has reasonsable cause to believe that the information

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 2016-12-04
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
WE HAVE TRIED TO JOIN SEVERAL MILITARY ADVERTISED BANKS AND CREDIT UNIONS AND THEY HAVE MEMBERSHIP REQUIREMENTS THAT ARE NARROW AND DO NOT PERTAIN TO SIMPLE VETERANS SUCH AS MY HUSBAND WHO FOUGHT IN THE XXXX WAR. THIS IS DISCRIMINATION TO THE VETERANS OF THIS COUNTRY THAT THESE ADVERTISED MILITARY BANKS DO NOT LET VETERANS APPLY FOR A SIMPLE CHECKING ACCOUNT. I NEVER THOUGHT I WOULD SEE THAT THE UNITED STATES DISCRIMINATES AGAINST OUR VETERANS AND IS ALLOWING MILITARY ADVERTISED BANKS AND CREDIT UNIONS DISCRIMINATING AGAINST OUR VETERANS WHEN ADVERTISING THAT VETERANS CAN IT FACT JOIN. I CAN NOT BELIEVE THAT OUR VETS ARE BEING TREATED THIS WAY AND I WOULD APPRECIATE YOU CHECKING INTO ALL THESE INSTITUTIONS AND ASKING THEM WHY THEIR MEMBERSHIPS ARE SO RESTRICTIVE. IF THIS IS OK WITH THE FEDERAL GOVERNMENT WHEN THESE ENTITIES ARE IN FACT FEDERAL MILITARY BANKING SYSTEMS AND THEY ARE DISCRIMINATING AGAINST OUR VETS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account with Credit Check total. I logged in a few days back and discovered within two weeks a number of unauthorized inquiries processed with about two weeks spend of each other. I am not activity seeking credit a this time SO I require a removal of all unauthorized inquires as this is not right!

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 2016-09-02
Company: Geneva Financial, LLC, Chandler, AZ Branch
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Geneva financial created alleged money that was advanced on behalf of me from thin air by bookkeeping entry. They willfully and maliciously led me to believe they gave me a loan, in which I receive no alleged money.They did not disclose to me that my signature allowed them to create the money on my behalf. The money created never went into my account, nor did they disclose to me when they acquired the money through monetizing the note ( promissory note ). They led me to believe they were acting in good faith with clean hands and the alleged loan documents were lawful binding contracts. I was unlearned an unaware a novice to the laws and operation of the bank and real estate industry and this company took advantage of this fact to fraudulently deceive me. The alleged loan document contract is ultra vires, void by not meeting the lawful requirements of a contract, to wit : 1 A 'meeting of the minds ' did not occur ( full disclosure of the facts involved in the operation of the contract. 2. no valuable consideration was exchanged, on this note promises were made however I did give and ambiguous signature, they in return never signed, there was no risk or liability on their part, because no money was loaned. I am not liable by my signature as well. They did knowingly create fraud against me the proof which is on the the Summaries of transaction box 22 it clearly states " Total paid for by the borrower '' proving the home is already paid off by my signature but this company keeps sending documents through the mail misleading me to believe i still have an outstanding debt obligation.They too are threatening foreclosure action even though their first lien is past the 120 day STATUE OF LIMITATION .U.S.C.78c Section 10 violation of Regulation Z, violation of the code of federal regulation 12 CFR 226.23 and 12 U.S.C 226.23 Appendix H have all been violated which gives me right of rescission. Geneva Financial never disclose their note is a security. In selling my security to XXXX XXXX where is my portion of the dividends? Where is the interest from the money they are making through UCC 8-102. I have rights to the funding source which was my signature. They are not allowed to hold a note period. Nor or they allowed to loan their own money or depositors money, so where is the money coming from they loan me? They got the money from my credit. The security agreement was done in constructive fraud, and violates every disclosure requirements. Signing a note for me is fraud / lack of full disclosure and identity theft. Base off documents they made money off my credit 3 times, however it could be more. There was no disclosure stipulating the utilities left in the house, I was told all utilities left in the house belonged to me. A fridge, washer and dryer were stolen from the home which throws off all their loan calculations by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 mortgage was transferred from Community Loan Servicing in XX/XX/2022 to XXXX XXXX. On my credit report, it's showing that I have XXXX loans and it's giving a balance of {$99000.00} which is affecting my credit score. Community Loan Servicing should be updated on my credit report. I've tried calling them, but I'm getting an automated system saying that they don't have a record of my account and it's not allowing me an opportunity to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I had student loan from 2010 when I was in college. The student loan is for XXXX XXXX in XXXX, FL. The loan was suppose to be for XXXX I paid XXXX of it. I owe XXXX left, I been gradually paying it over the years. but the impact of the remaining balance have left my credit score tremendously low. it was originally at XXXX but I got it down to XXXX on top of paying the other loan. Again its been open and I would like this resolve from my account. its XXXX XXXX service US Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I assisted my sister-in-law with a gift of funds to refinance her home after my brother died. The lender sold the loan to PennyMac. Since the close of the loan in XX/XX/2021, I have received all the emails sent from PennyMac Loan Servicing referencing my sister-in-law 's name with loan and escrow information. I have called on 5 different occasions to get the correction made. Today 's call with XXXX, the rep that answered, is my last attempt at getting a simple correction made to information that was given incorrectly. When she didn't understand the explanation twice, I suggested she escalate the call. I was put on hold twice while she escalated, but never transferred to anyone that might have a better understanding of the issue, I hung up after a 17 minute call to nowhere. I attempted to provide her with my sister-in-law 's email and she indicated I have to have the borrower call to make the change. It is not a change. It is a correction and the borrower 's information should not be sent to someone not authorized to receive it. On two of the previous calls the reps took the information for the correct email, but obviously never made or submitted the change. I have attached the most recent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: MOHELA
State: VA
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:
My loan is currently being serviced by MOHELA for PSLF purposes, prior to that it was serviced by XXXX. On XX/XX/22 I called MOHELA to request a refund to payments made during the COVID 19 Pandemic as I am entitled by the Cares Act. The refund would be roughly equivalent to {$1600.00}. At this time I was quoted a wait time of 4-6 weeks. 6 weeks passed and I called again, this time I was given a wait time of 60-90 days. When 90 days passed I called again and was told it was 60 business days from my first call. That would bring me to today where I have still yet to see movement on my account as it relates to the refund Im entitled to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I received an email from Ally Bank on Tuesday XX/XX/2022 saying that the bank was temporarily blocking access to my account. That same day, I called Ally Bank at XXXX XXXX  to resolve the issue. After multiple attempts from the tech support team and being on the phone with Ally Bank for nearly an hour, Ally Bank failed to restore access my account. Ally Bank assured me that this was a system wide problem, that I had not done anything to cause the problem, and that the bank was working on it. I called again on Friday, XX/XX/2022. Similarly, Ally Bank failed to restore access to my account after 30 minutes on the phone. On XX/XX/2022, I called Ally Bank again. Yet again I was on the phone for an hour. Ally Bank refused to provide me with any information on when this issue would be resolved. 

I have received no substantive updates throughout this process. I have had to initiate every conversation to address this issue. Ally Bank has refused upon repeated requests to supply any substantive update or any evidence that the problem is being addressed. Ally Bank refused to provide a timeline of when the issue would be resolved. 

I originally made this complaint with the FDIC. FDIC claimed to send the complaint here for reference the FDIC Ref. No. : 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 2016-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I subscribe to XXXX XXXX XXXX XXXX services so that I may pull my credit reports twice monthly. I attempted to pull and generate a " Printable Report '' on XXXX/XXXX/2016 and that report would not render correctly or completely. XXXX XXXX XXXX XXXX stated other customers are having the same problem. The problem seems to be the XXXX XXXX XXXX XXXX report rendering process as the XXXX/XXXX/2016 report I pulled and saved to my file system displays properly but attempting to redisplay on the XXXX XXXX XXXX XXXX site does not render the report correctly or completely. XXXX XXXX XXXX XXXX states this is an Experian problem but they have no way to obtain a problem resolution status or expected problem resolution date from Experian. Experian sent me a email saying they are working on the problem, but have not provided any updates. Attempts to respond to Experian 's email result in mail rejection due to a full inbox. Bottom Line is XXXX XXXX XXXX XXXX states they have no way to resolve or communicate with Experian technical support and there is no way for me to contact Experian technical support.

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 monetary relief