BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX OH XX/XX/XXXX {$1100.00} XXXX XXXX  XX/XX/XXXX {$420.00}

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 2021-01-06
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have hand written and sent via XXXX certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX # XXXX XXXX  XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have hand written and sent via XXXX  certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX  # XXXX 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 2016-05-12
Company: BMW Financial Services NA, LLC
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the XXXX data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.

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 2016-04-09
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: FL
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:
I have reached out to the company requesting that the account be removed. The company is reporting two different accounts on my credit report when it should be one because they are the same. company has yet to remove the account that they are reporting in error which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a few issues but I 'll start with XXXX. They allowed me as a student to take loan after loan out to attend a fraudulent school that lied about accreditations, future jobs and they are reporting false information on my credit reports that has and continues to cause due hardship. XXXX tells me I can only apply for a voluntary forbearance which has doubled my loans because of the interest. I ca n't pass a credit check for employment and I have to pay XXXX - XXXX the deposit for an apartment because they report my loans as derogatory on my credit reports. This is false and when I filed for chapter XXXX BK in 2015 they XXXX out my balances and marked my accounts as derogatory. When my BK was dismissed because I could n't afford the payments they opened new accounts in addition to the accounts they marked as derogatory. The school I attended, XXXX - XXXX University, approached me in my last semester before graduation and told me that I owed {$5100.00} in books and student fees and that I would not be allowed to take any more courses until I paid in full. I still get harassed today for this money. I paid {$2000.00} but still owe {$3100.00}. They report on my credit reports twice by XXXX different collection agencies for the {$3100.00} which causes additional hardship. 

My other complaint is exactly the same but it is for Nelnet and XXXX XXXX XXXX XXXX. They also came to me my last semester and said that I owed them {$5000.00} in books and student fees and that I would not be able to graduate until I paid. They lied about future jobs, school accreditation, and they pressured students into signing up for loan after loan only to tell students that we still owed money and could n't graduate. After being forced to leave school because I did n't have {$5000.00} they told me the only relief from my student loans was to consolidate them and then file for the voluntary forbearance. My loans at Nelnet have increased because of the interest and have gone from {$45000.00} to now {$75000.00}. No degree or job from XXXX and no help from Nelnet to stop taking so many loans for a fraudulent school. 

Between the XXXX schools I came out with {$75000.00} in student loans which is now {$130000.00} because both XXXX and Nelnet say I can only apply for the voluntary forbearance. 

$ XXXX, no degree, 10 lost years and ruined credit. These loan servicers should be held accountable for working with these fraudulent schools and pressuring students into taking so many loans. They lie to students and they glorify the school and future jobs and income levels, then once they are enrolled they just want you to keep signing the loan documents. $ XXXX and no degree!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: CT
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:
this company started reporting inaccurate information in my credit report, and refuse to remove it. I started an investigation on XX/XX/2020 and up today they have not remove all inaccurate information that is hurting my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
IT Was brought to my attention that SOUTHWEST CREDIT SYSTE reported an alleged debt of {$540.00} dollars. When i ask them for proper verification they fail to provide mandated documents. original copies of my signature, amongst other specified documents. Then continued to report inaccurate information to consumer reporting agencies. Violating both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I tried to make an online purchase with my Chase debit card. It was declined 3 times even though I had the funds available. I then made the purchase with a XXXX XXXX, but the next morning the Chase charge went through. I called Chase to cancel the transaction with them, and they have the gal to tell me I need to prove to them I made the purchase on another one of MY accounts in order for them to return MY MONEY to ME. Customer service representative was very rude and yelled at me during my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a phone call from XXXX in XXXX, Nebraska. The caller did not identify the agency, but after verifying my information said she was collecting a debt from Comenity Bank. The caller, whoever they are never sent a letter notifying me that I had a right to dispute the debt, before calling me and trying to collect it. Other than the phone call today, I have never had any communication from anyone regarding the debt. This is a clear violation of the Federal Fair Debt Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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 XXXX Account 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 furnish an account without 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 non-monetary relief
Consumer complaint received 2016-01-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
This activity was due to identity theft. I have sent over XXXX letters to the collection agency via my attorney demanding verification of debt ( loan documents, copy of check used for the loan, etc. ) and they have yet to send me anything. My complaint is that they have re-aged the debt several times over the past two years which adds time to it 's removal from my credit report. It 's my belief that they are doing this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: ALLY FINANCIAL INC.
State: MO
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:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX 3. XXXX  XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016, my ( now closed ) account ending in XXXX was breached. Not by a someone impersonating me, but by the teller at Chase - at their XXXX branch in XXXX. I live in XXXX XXXX, XXXX 

After taking XXXX out of five days off work to resolve this issue, I was specifically told by a Chase employee here in XXXX ( I have recordings of said conversations ) that the ONLY way for someone to withdraw money in person is by A ) either having a debit card, which they did not have. Or B ) by providing a valid form of ID, which the person did. It was not a fake ID with my face or name it, it was their real ID. I have since discovered the person 's name, XXXX XXXX. CA ID number XXXX. 
When presenting solely an ID, it is then up to the teller to VERIFY that the person and banking info match. This is done by verifying they 're address, name/ID number, or social security number. Clearly, none of these steps were taken as the teller then provided MY account information and handed him a withdrawal slip of {$1100.00} from MY account. 

Now, I have since been told by your executive office that this is all covered under your Deposit Account Agreement, which I signed. On that note, I would like to point out that I have thoroughly read said agreement and it specifically says you are covered when it comes to " Fraudulent transactions, '' more specifically : " Although we attempt to identify and prevent fraudulent transactions, we have no duty to you to determine whether any check you deposit or cash is forged, counterfeit, altered, improperly endorsed or otherwise improper. '' Clearly, there was no attempt at a fraudulent transaction when it comes to my case. It was the teller who provided my account information, therefore the error was ENTIRELY your- the bank's- fault. 

Even under article XXXX, " Rules Governing Your Account, '' you use the term FORGED. No signature was forged, therefore said agreement is no longer is valid and you are, in fact, liable. It was the teller who provided my account information, not the other way around. You said to contact you with new information, and I have. 

I stick by my original request for compensation in having my credit card paid off. On top of that, I ask to be credited for the week of work that I missed. The amount being, {$1200.00}. 

XXXX XXXX, I have tried contacting you twice but you continue to stonewall me. Know that I have recorded conversations with all the Chase employees I spoke to and who openly admit this is entirely the bank 's fault and should not have happened, and that the appropriate steps were clearly not taken to verify my identity. I expect a prompt response, and for my requests to be met as swiftly. If not, you have left me no choice but to go the legal route. 

Thank you for your time. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I paid cash $ $ $ for a certified check in the amount of {$1500.00} from XXXX XXXX to send to Bank of America ( BOA ) as I've done many times before. Monday morning the check should have cleared as usual and my bills would be paid as usual. Today, XXXX, I find out I'm receiving Nsf fees for non payment due to funds not being available. I contacted BOA today, the clerk explained that on Monday they did not receive electronically that the check was cleared to process. I have made these same transactions many times before with funds available the next business day. I am unable to afford the multiple fees assessed as a result of XXXX XXXX not sending electronically that funds were not available. I handed the XXXX XXXX XXXX cash for the certified check which cost me {$15.00} due to wanting to send funds to BOA instead of depositing the funds, and now I'm told that I'm being charged {$35.00} for each transaction that funds were not available. I now have a hold on the check {$1500.00} according to the BOA XXXX because XXXX XXXX did not send authorization to cash the check on the next business day which they have done each and every time before. I want all fees associated with this transaction reversed, it's not my fault the bank did not sent authorization from a " CASH '' transaction that funds were infact available. It's difficult enough with everything going on due to COVID 19 and now this is just unacceptable I have no idea all the implications this transaction will enable, ie credit bureau issues due to payments being delayed, and other fees associated. Unacceptable! Please help!

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
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I initially sent a letter to the bureaus letting them know that these accounts are fraudulent and should be deleted from my credit reports. I never heard anything from them. XX/XX/2020 I sent another letter letting them I never received a response or an update about the disputes. As of today, I still have not received anything and it is frustrating. I am also a victim of the Equifax data breach and this means my information could be in the hands of everybody. I am getting so frustrated at this point. It seems like the credit bureaus are ignoring me on purpose. I was always under the impression that the credit bureaus had 30 days to complete an investigation or the accounts had to be deleted. 611 ( a ). Well it has been over 90 days in my case and I havent received results, updated that an investigation had been started. Nothing. Please delete these accounts immediatelely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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: Investigation took more than 30 days

Complaint:
I have new and updated information concerning TransUnion. I have previously complained of TransUnion 's illegal conduct under ID # XXXX. TransUnion has failed to conduct their required investigation in accordance with federal laws, specifically within 30 days ; and failed to delete items in accordance with my written instructions. TransUnion is in violation of my rights as a federally protected consumer.

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 2020-07-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i use XXXX for my XXXX investments but pnc won't let me i need to be able to sendmy money from XXXX to my account with pnc

Company response to consumer: Closed with explanation