BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: FirstCash, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
*** Sub-category : approved for a loan but did not receive the money*** is not the correct category for this complaint. CFPBs complaint form auto-populates potential issues not allowing consumers to select " Other ''. This complaint is in an " Other '' category. 

This company 's location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO is one of two locations this complaint pertains to. The second location, XXXX XXXX XXXX XXXX, is the second location. 

This complaint pertains to the following : 1. Stores not using the current, actual gold price when estimating value of gold items; misleading consumers in the valuation of their gold. 

2. Pawn brokers not researching actual values of items and instead, making subjective assessments based upon their personal likes, or dislikes, of their consumers- enabling a culture of XXXX and XXXX discrimination in pawn loan services. 

3. Pawn brokers misplacing, or stealing, customer 's property. Collateral used toward cash loans at both locations has disappeared. 

On XX/XX/23 I came to the XXXX XXXX XXXX store in XXXX XXXX to get a loan on collateral that has been used previously. I have a 100 % redemption rate which means I never intend to leave any collateral at this store ; always return and pay off my loans and interest completely. Staff has commented previously that they've never seen any customer get so much money in loans that has a 100 % redemption rate meaning, I'm honest. 

Today, XXXX, a bad pawnbroker with a track record of errors and omissions, was unfortunately the individual who approached me for help. He said " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and then continued to make other XXXX derogatory and discriminatory comments toward me. 

Despite the value of the collateral presented, past loan on the item, and my reiterating my interest in a loan, not a sale, XXXX commented that while I intended to get a loan and pay it off to get my collateral back, that was not his plan for my item. He literally said to me " You may think you're going to come back to get your item but that's YOUR plan .... '' This is an interesting comment especially considering prior audit findings of missing items at this store. 

XXXX would not provide me with a loan. He continued to reiterated that he wanted to buy item, not give me a loan for it. 

Both this store and the XXXX XXXX location has pawn brokers who are misleading consumers in providing a fair valuation of fine jewelry based upon current gold prices. The stores do not update their daily gold price and I've witnessed several defective, out of date gold testing solution kits and diamond testers that do not work. What this means is that consumers are mislead about the actual gold content and gemstone status ie : diamond vs. CZ when these stores make an offer- always undercutting actual fair pawn value per pawn industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: AES/PHEAA
State: CA
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:
My federal consolidation loan is held by FedLoanServicing. I applied for PSLF ( public service loan forgiveness ) in XX/XX/XXXX and submitted all my employment certifications. I submitted all the certifications again in XX/XX/XXXX. I have received multiple letters indicating that I am not yet eligible for forgiveness and that my payment count stands at XXXX. However they did not count two of my employment certification forms from XXXX. If those payments are counted then I have well over the 120 required for forgiveness. I have repeatedly called and emailed with no response. I have filed a complaint with FSA and my complaint was closed. No one can tell me why the two forms from XXXX were not counted, if there was an error or for some reason they believe the employment does not qualify or if there was an issue with the signature or something else. I have not been able to speak to someone on the phone despite multiple attempts. 

I was recently notified that my loans are going to be transferred to XXXX sometime in XX/XX/XXXX. I want this resolved before my loans are transferred because FedLoan Servicing is the one who has all the information about my payments and all the certifications that I've already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: IL
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 have know knowledge of these inquiries.

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 2022-06-07
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 issued credit in the amount of XXXX apparently using my identity in XXXX. In 2020 XXXX then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with trans union to report this fraud to do an investigation. Let me be clear, I have never done business with XXXX and never been in the military which is apparently a requirement to do business with 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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX  XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Letter to all 3 credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX CREDIT XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX BANK, XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX Closed / Charge Off : XXXX. XXXX XXXX XXXX XXXX Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, High Credit, Available Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX. XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, XXXX XXXX  XXXX XXXX {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name 12 XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX, Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, 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 2022-06-07
Company: EQUIFAX, INC.
State: IL
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, Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: OH
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:
MADE ATTEMPTS TO CONTACT EACH COMPANY TO DISPUTE AND CORRECT ACCOUNTS BEING REPORTED WITH NO SUCCESS. LOCKED CREDIT PROFILE IN FEAR OF SOMEONE USING MY INFORMATION XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 explanation
Consumer complaint received 2022-11-29
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received no response. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX when I had open accounts they again opened XXXX more of my accounts which were to be for my XXXX XXXX but termed them again as Personal Accounts and therefore I had XXXX open Personal accounts. They then closed XXXX of my accounts stating that there were fraud activity and only in XXXX they informed me of this but they closed all my accounts with no advice to me. 
I lost my total income and want Wells Fargo Bank to compensate me for my past and future XXXX XXXX XXXX XXXX. 
At present we are still working on this case.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX SV has violated my rights.

15 U. S. C 1681 section A. States I have the rights to privacy.

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a 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 2022-06-27
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-27
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: Was not notified of investigation status or results

Complaint:
I sent a letter on XX/XX/2022 regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response as of yet. I feel like I am being taken advantage of and being ignored of my disputes section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-06-27
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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 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 2021-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
Im a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXXXXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both XXXX & Experian they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX # {$14000.00} 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 2022-04-25
Company: SN SERVICING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SNServing Loan received Payment from Insurers for home repairs for {$62000.00}. SNServing denied disbursement at closing for {$20000.00} and fails to cooperate with client, the homeowner after CFPB complaint filed prior to loss of the property. SNServing agrees to ONLY disburse owed funds by compliance to sign false statements to commit perjury to satisfy SNServicing Release and Receipt for funds. The Home Owner is owed by SNServing {$20000.00} and the bank XXXX XXXX XXXX has escrowed funds. 

Homeowner will not and should not be forced to commit perjury to have owed funds released. Homeowner modified SNSERVICING Corporation release and receipt to reflect accurate, truthful statement and SNServies refused to release funds owed by law. Furthermore, XXXX states they are illegally filing an interloper charge to prevent access to the funds legally owed to XXXX XXXX that SNServicing failed to issue owed at settlement closing for property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to get my credit report from this Agency.but all I get is the run around

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 2023-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Around maybe two months ago I opened an account with USAA and deposited my first check. Waited the usual 7 business days and got kicked out of my account. Called them about it they said theyre exercising their right not to do business with me and told me I would get a check in the mail in 60 days. So I waited, nothing came so I called back. Except they told me the same thing and there was no check being sent and refused to give me any information. So I let it go then I get an email a few weeks later about the account, so I called. They told me theyre was some information missing and since I turnt XXXX recently they asked me to send in my id so I did. And they told me to wait so I did. Then I called again they had me send it in again I called again and now theyre saying they cant verify me bc my number is changed, yet I have the same email and have gotten codes sent to my email on multiple occasions. Tbh at this point Im giving up, that was my first pay check from XXXX and it was only a measly {$280.00} I just wanted my money back. But hopefully this review will keep some from making the mistake I did by not banking with USAA.

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