BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. I can still see those items that affects my accounts. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Reports : XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  has fraudulently put student loans on my account. I have never had an account with  XXXX . They can not provide written proof of a signature with me and  XXXX  on the same contract. I have been disputing them off my credit for years. Since they   XXXX   XXXX   with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND  XXXX .     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where   XXXX   just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last week my  credit sc  ore dro pped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,

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 2017-04-25
Company: Navient Solutions, LLC.
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:
I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I saw I had an account on my credit report that I was unsure of for XXXX XXXX in West Virginia. I never lived in West Virginia as an adult so I contacted them. They told me the service for utilities was provided to XXXX XXXX XXXX, XXXX, West Virginia from XXXX of XXXX through approx. XXXX of XXXX. On XX/XX/XXXX, I provided pay stubs and W-2 for that time period that showed my address in XXXX. They refused to take the debt out of my name and asked for payment. I contacted the collection agency IC Systems at XXXX and spoke with XXXX, on XX/XX/XXXX, who told me in order to classify this debt as fraud I needed a police report from my state. I contacted Northern District in XXXX XXXX XXXX, Maryland and they directed my to this website to file my report, on 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 explanation
Consumer complaint received 2022-04-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: SD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was transported by an ambulance to XXXX XXXX XXXX in XXXX XXXX, XXXX I was taken to the ER where I had to be XXXX  and put on a XXXX The hospital then needed to transfer me to a higher level of care so they called a different ambulance company, XXXX XXXX XXXX of XXXX, XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to transfer me to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
When XXXX submitted the bill to my insurance company ( XXXX ), they forgot or refused to send documentation to explain medical necessity for the transport. XXXX asked for more documentation which they never received. After numerous attempts to collect this information from XXXX, XXXX simply suspended there claim. 8 months later in XX/XX/XXXX, XXXX sent a bill to us for {$1700.00}, and demanding payment. We called them and explained to them that XXXX was giving them 45 days to complete the information that they needed or the submitted bill would be considered non-certifiable and would be closed. XXXX also informed us on the phone that we were not in any way obligated to pay anything to XXXX because we had insurance that would have paid the submitted bill if they had submitted the required documentation and followed the required processes. 
XXXX missed their deadline, so they were now denied. XXXX then turned it over to a collection agency. I submitted all of this same information including the letter we received from XXXX regarding this problem. The collection agency emailed me and said that the collection process was now on hold until XX/XX/XXXX while the investigated the claim. In the meantime XXXX continues to harass us and try to collect payment. XXXX contacted us stating that they have finally received the documentation and they are reviewing it. In the meantime, again, XXXX continues to harrass us wanting to collect from us. Their collection process could also wrongfully damage my excellent credit rating which may result in a defamation suit if they continue this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
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: Their investigation did not fix an error on your report

Complaint:
I have submitted documents stating that the information on my credit report regarding an account from XXXX consumer is reported inaccurately and must be removed from my credit report to remedy the situation. Experian has yet to appropriately fix the error on their credit reporting.

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 2017-04-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It is with great disappointment and sincerity that I approac hed Ditech Financial to c onsider my request. I had requested a work out plan that was affordable.   Our struggling began  in 2015 when my  husband lost his job and I was the  only one brin ging in income. For a family of  XXXX . .My husband did everything to find a job. This could not had happened at a worst time. we had a reduction of income and increased expense s.. Ditech provide d a trial period. However, I made my first two payments and when I went to pay my third payment they because I made after the first Ditech will not accept it.   I desperately ask they allow me the chance to keep my home ..I have small children.   I am also certain that our financial situation will improve for my uncle is now contributing for he is home with us..   I am begin for a chance. Please review our situation, our financial and adjust our mortgage payment to an affordable level.   I hope and pray Ditech considers my request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Experian Information Solutions 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:
Experian has  XXXX   medical collections o n my report that are wrong. These medical bills are a part of a on going law suit and are covered under a letter of protection from my attorney. My attorney has already taken care of these collections when they were on my credit report from  XXXX  and  XXXX  and were removed. I do n't know what Experian 's problem is.     The  XXXX  collections are ...      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$310.00} {$310.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$640.00} {$650.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  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 2017-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My issue is with Transunion & some incorrect information that they are reporting in my file. They are reporting XXXX out of XXXX of my XXXX student loan accounts negative, when they all should reflect a positive status without any late payments. XXXX contacted each of the bureaus to correct my file on or around XXXX XXXX, 2017 stating that the late payments were an error due to me being in deferment. Transunion only updated XXXX of the XXXX accounts. Furthermore they are reporting a XXXX XXXX account that does n't belong to me. Transunion cites the account was discharged through Chapter XXXX bankruptcy, when in fact I 've never filed any type of bankruptcy or owned a XXXX XXXX Credit Card account for that matter. I 've had a lot of fraudulent activity on my file in recent years which led me to put fraud alerts on each of my files. Due to that, I 've worked tirelessly over the years to get my information corrected on my files with each Credit Reporting Agency. I 'm attaching the letter from XXXX that I received which shows the information on all XXXX accounts should have been corrected & updated.

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 2021-11-19
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I noticed that my debit card kept declining. It was the evening time when I logged into my online account and noticed it said my debit card had been closed. The next morning I called and customer service gave me another number because they didn't understand what was going on but continued to tell me that on XX/XX/21 they were closing my account completely. I was in shock and she could not tell me why they were closing the account but gave me this statement that was given to me by everyone I spoke to on today, XX/XX/21. I called the number and they said oh we don't know but PNC doesn't have to tell you why we are closing your account. I have several bills that come out of that account as well as my direct deposit. I have been a customer of PNC Bank for almost 15 years so the least they can do is tell me why they're closing my account. I am disgusted that they would treat a long time customer like this. I also went into thE branch and the lady looked through my account and said she seen no suspicious activity so she was just as confused as me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

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 2017-04-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying on my student loans consistently for two years now and yet my balance never decreases. I applied  for IBR in   XXXX  of  2016  and my payments were set to {$43.00}. I was not notified of th e IBR  program until I asked prior  to 2016 I was  put in forbearance. When I first set up on  IBR,  I stated I wanted to pay extra to start decreasing my balance. I called them a few times  in 2016    that my balance due showing online is {$410.00}, sometimes more. Navient verified my IBR amount of {$43.00} and stated to not pay attention to the $  XXXX + amount and to proceed with payment but the Navient online system would not let me make a payment less than the {$410.00} balance due. Each loan shows an amount due based on the loan amount totaling the {$410.00}. I was told to go to the old website and make a payment and it showed the same amounts but allowed me to manually enter a payment. The issue is even though I am paying what I was approved for, it still has the higher amounts for each loan due along with the {$410.00} amount due showing late fees on each loan and keeping my interest the same. Even though I explained I would like to pay extra to decrease my balance, they applied the extra amounts to the next months payment. I recently pulled my credit report from FICO showing where I am making the payments on time but showing my balance increasing each month rather than decreasing despite my on time payments and paying extra.Even though I was approved to pay {$43.00}, I was paying $  XXXX - {$70.00} ( varied month to month ) extra. It is very deceitful and misleading. For me to paying on time and extra each month, the loan balance should be decreasing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Marcus-Goldman Sachs purchased the XXXX XXXX accounts from XXXX XXXXXXXX and I was told ALL data from XXXX XXXX was transferred to Marcus-Goldman Sachs as part of the contractual agreement. The transition was supposed to be finalized in XX/XX/XXXX. I recently needed some historical information on my account from XXXX and I am unable to access statementsthrough my Marcus account online older than XX/XX/XXXX. When I called Marcus-Goldman Sachs , I was told they do not have any historical statements from XXXX XXXX older than XX/XX/XXXX. When I called XXXX XXXX, I was told that ALL the information was transferred to Marcus-Goldman Sachs . I do not believe I should be stuck in the middle of this back and forth between these two large financial institutions that have the resources, IT departments, backup tapes, etc. to rectify this problem. All I need are my historical statements. I was encouraged to go paperless, therefore, do not have any paper statements since XXXX. I was also told by both Marcus and XXXX XXXX not to worry about downloading all of the statements because they would be available online through the Marcus Website once the transition took place. Perhaps this is part my fault for believing both Marcus and XXXX XXXX, but as a consumer, I should be able to have some faith in the companies I do business with to be telling me the truth -- especially large and supposedly reputable companies that are dealing with my financial transactions!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card number was compromised and on XX/XX/XXXX and XXXX I had XXXX debit withdrawals from XXXX that totaled {$3500.00}. That pretty much drained my bank account. I called Sofi and they filed the fraud complaint but they told me it could be up to 90 days before I can receive my money back. This was obviously fraud and I think it should have been caught after a few debits but it wasn't. I called the Member Security Office but they don't answer the phone so I left messages and no one has called me back. I asked for a provisional credit but it has not happened. I am XXXX XXXX XXXX and it is very difficult not having my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Siggi LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
My name is XXXX XXXX. I am part of the CFPB settlement with Omni Financial. I have requested that they reissue my check. The refuse to reissue my check until the check void date ( which is not for another month ). They say they will then issue another check 8 to 10 weeks after that time. I would like them to re-issue the check now and not wait the 3 months to issue a check.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation