BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-04-15
Company: Commonwealth Financial Systems, Inc.
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I submitted a credit card application with Citizens Bank, on or about XX/XX/XXXX. I followed up on the status of the application on XX/XX/XXXX. I was informed that I was denied due to the following reason- an account currently reporting on my XXXX XXXX as 60 days delinquent. Knowing that this was incorrect, as my Score was XXXX and all of my personal accounts current and in good standing. I explained this to the representative at that time and they explained that I could obtain my Credit File from XXXX and submit it to their credit department for Reconsideration. I did as instructed. I first contacted the XXXX XXXX. and filed a request/opened a case. I then called XXXX immediately, explained the situation to the representative, who went over the file with me, and found no evidence of what I was told by Citizens Bank regarding my credit profile. The representative then sent me a copy of the credit file via mail to forward to Citizens XXXX XXXX. Once I received the copy of my credit file, I forwarded 20 pages, split between two separate emails ( 10 pages per email ), on XX/XX/XXXX. I called the Dept. on XX/XX/XXXX, XXXX to confirm that both emails were received. The representative confirmed that both emails, containing my 20 page Credit File had indeed been received, and was under review. I followed up via phone with the XXXX XXXX. a week later for an update. I was told that my case was still under review. I waited a few days, followed up with a phone call, got the same answer-still under review. Someone called the next day to tell me again that it was still under review. I asked to speak with a manager, feeling that I being strung along, and was denied. the XXXX ( XXXX XXXX said that she would send a note to the Manager. I received a phone call the next day ( XX/XX/XXXX ), apologizing for the delay, but still no resolve. On XX/XX/XXXX, I received a call saying that my Reconsideration was denied due to an old account dating back 7 years, that is no longer reporting and shows a current {$0.00} balance, but " may '' have been late 7 years ago. They originally told me that I had a current account reporting as 60 days late. I disproved that by providing a current, full XXXX XXXX file. I was then told that they looked into my history, dating back to a XXXX XXXX XXXX, current & closed, unreporting account. I feel that I was discriminated against due to gender and ethnicity. An XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Source Receivables Management LLC
State: NY
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 filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of this year, I previously filed a complaint regarding this issue. Ally responded saying an update they had done had caused it and they were working on the problem. It is now 6 months later, and it is still not resolved and when you call their customer service, they claim it is still being worked on. No other bank I have does not post instant XXXX transfers instantly. Ally is the only one who seems to purposely delay deposited funds. Prior to XXXX there was no issue and funds went into my account almost immediately. Yesterday I called in and after being on hold over 30 minutes and spoke to a supervisor named XXXX. He stated their tech team was still working on the issue and he had not gotten an update. When I questioned how he would get an update without initiating the question because he was not aware of my particular problem, he then put me on hold again and supposedly reached out to their tech team. When he came back, he stated their tech team was not aware of an issue. Which to me means they have no intention of fixing the problem. At the very minimum you the transaction should show as pending because each time I have called they can clearly see it on their end, yet they refuse to make the funds available. They have caused items to be returned because of this because they do not have a physical location where I can make a deposit. My instant transfer was complete to them at XXXX XXXX  and they did not post until after XXXX, my time in CA.

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 2022-03-05
Company: Experian Information Solutions Inc.
State: MO
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 am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
XXXX XXXX XXXX XXXX XXXX ACCOUNT LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX  These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: MI
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:
i called the credit bureaus XXXX, XXXX, experian and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the 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 2022-08-31
Company: National Account Systems of Omaha, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2022 - {$440.00} Collection for XXXX XXXX XXXX XXXX showed up on XXXX credit report, I disputed it with no resolve. Told to contact agency directly. 

XX/XX/2022 - I called National Account Systems ( XXXX ) Omaha - XXXX XXXX XXXX- I provided proof via email to XXXX XXXX that this debt was not correct and not owed by me. 

XX/XX/2022 Called XXXX XXXX back as I have had no further communication from them on this. XXXX stated that the debt has been cleared and my file was closed and I owed nothing. Stated he will email and mail me official notification of this and have the collection removed from my credit reports. 

XX/XX/2022 I have received no communication from XXXX regarding my case and collection is still showing on my credit reports. I called XXXX and XXXX answered the phone, said he could not help and only XXXX can help me. I asked why and he said that is their policy. He said I could leave a voicemail. I asked for his last name and he paused, then made up a name of XXXX. I told him that was not acceptable and he hung up on me. I called back and a XXXX XXXX answered the phone ( it sounded just like XXXX XXXX and he transferred me to XXXX where I left a voicemail. 

Sill not 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 2017-04-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank closed down business checking account. Attempted numerous times to get in touch with someone to investigate the matter internally, but they kept giving the same scripted responses : " We have the right to close down account '' " There is nobody else you can speak to, the decision is final '' My personal favorite - " No mistake was made '', which I follow up with " Prove it '', and than they respond with some double talk, and back-pedaling to their previous scripted responses, Chase bank, and many other banks, treat you like a  XXXX   XXXX   XXXX  child. They tell you that magic unicorns exist, give  zero pr oof to back up those claims, and tell you they could not possibly be wrong. How do I know that someone in that deparment is not discriminating against me based on last name? How do I know my account was not chosen at random just to appease  U.S.  Regulators? How do I know that some employee did not take his meds that day, and completely screwed up my the review on my account?     Here is my theory. The risk/loss prevention/closure departments are closing down accounts to appease regualators, and/or their bosses. They choose certain criteria, and if you are unlucky enough to meet that criteria, they shut down account without any real investigation into who you are, or what you do. They get to send reports to their bosses, and regulators, and say " See, look at what a good job we are doing, shutting down all of these 'suspect/risky ' accounts '' ... " Now, please look the other way while we allow the real criminals to keep billions in our banks ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: Atlanticus Services Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
SIGNED UP FOR OPTIONAL CREDIT PROTECTION SERVICE AND LOST JOB ONE MONTH AFTER CARD WAS IN MY POSSESSION, ENDED UP MOVING AND OTHER THINGS GOING ON CREDIT CARD COMPANY NEVER LET ME KNOW I COULD HAVE FILED FOR PROTECTION AND HELPED KEEP CREDIT SCORE. NOW THEY TALKED ME INTO MAKING A {$50.00} PAYMENT TO " BRING CURRENT '' AND SAY NOW I CAN BACK DATE TO XXXX OR XXXX FOR HELP.. 


I DONT SEE IT BEING CORRECT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Investigation took more than 30 days

Complaint:
on XXXX XXXX XXXX, Equifax, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AES/PHEAA
State: TN
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 checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SLM CORPORATION
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I continue to receive calls and letters from Sallie Mae / XXXX. I have made several attempts to speak with a representative to enroll in repayment plans. The representatives states that they do not offer income based repayment plans only short term forbearance payment plans. 

I have be ignored of my complaints, they have provided inaccurate information and offered only high cost repayment plan. 

My research of my loan compared to other student loans I received a subprime high interest rate and terms. 

My co-signer has made request to become released from the loan and has been ignored of her attempts. 

I am interested in the income based repayment plan. ( PAYE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I tried to get my free annual credit report from TransUnion utilizing the XXXX XXXX website. Before I had a chance to print or save a pdf version, my session timed out and I could not get the report again. I had since tried contacting TransUnion about this problem but they kept insisting I have to purchase a 3 credit bureau report and score for {$29.00} in order for me to continue. 
Please assist as I felt cheated and unfairly treated. I spoke to a customer service representative called XXXX on XXXX XXXX at XXXX XXXX central time. She was very evasive and refused to provide her last name.

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 2022-03-05
Company: Novad Management Consulting LLC
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a reverse mortgage thru XXXX. I paid it off in XX/XX/XXXX. They released the lien after I contacted them. Per my request, the sent an email to Novad Consulting ( who does bidding for HUD ) to request they release their lien on my property as well. This was on XX/XX/XXXX. They replied that the check for recording fees have been requested, the releases have prepared & will mail to the county within the next 5-7 days. On XX/XX/XXXX, I sent a 2nd email to Novad requesting them to release the lien on my property. They never replied. I will also say that I called them NUMEROUS times & waited on time for 30 mins & another for 45 mins. When I called yesterday the recording says the wait time was 170 mins!. I sent a 3rd email to Novad on XX/XX/XXXX and the sent back what appears to be a canned response. It mirrors the exact response received in XXXX. I emailed them back statin they told me that in XXXX & they again did not reply. I want my title to be free and clear with no lien from HUD. They have no right to my property at this point since I owe no one anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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:
On XX/XX/XXXXof 2017. I sent in a dispute in regards to a Credit Card : XXXX XXXX reporting in the amount of {$5000.00} ( Charge off ). I also reported the inquiries and several unknown addresses reported onto my credit report along with different variations of my name. The credit bureaus : Equifax, XXXX, and XXXX XXXX. responded with this information that is reported is accurate. I provided pertinent documentation proving my innocence on this account along with second Account they are reporting on my report which is fraudulent. XXXX XXXX. They refused to reinvestigate the matter. I again in XXXX 2017 presented pertinent evidence that non of the inquiries and/or two fraudulent account belonged to me : XXXX XXXX and XXXX XXXX. In XX/XX/XXXX  of 2017, they ( credit bureaus ) stated they will not remove any of the  information as it is verified. I provided again in XXXXXX 2017 a police report stating the facts. The two accounts along with inquiries and variations of name, and fraudulent addresses. The credit reporting agencies yet again stated they will not remove this information. This is causing a major hardship for me and my family. I have contacted on number of occasions via phone and mail to all parties involved and wish for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: ALLY FINANCIAL INC.
State: MD
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:
On XXXX XXXX, XXXX, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.

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