BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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:
Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX XXXX says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX Transunion says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding

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 2019-06-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
High interest rates on my student loans through Navient. The interest rate is 12 % which is Usury, the act of lending money at an interest rate that is considered unreasonably high to the financial health of the loan repayer. My mother died when I was XXXX just three years before I started college. I was raised by a single father that had bad credit due to medical bills from my dead mother. My father lost his job in XXXX and has seen an income reduction. I have been unable to find reasonable employment. In XXXX I sued the University of XXXX for denying me a part time marketing position. They wanted me to have XXXX twitter followers which was illegal under michigan law. I won the lawsuit against XXXX of XXXX They did not care about my marketing degree from The University of XXXX which I pay navient and exorbitantly high interest rate on. I was told this degree would unlock my future, not lock up my future. My degree is worthless and Im underwater as the result of predatory lending practices by Navient and Sallie Mae. Im stuck in life with the burden of student loan debt. This is a systematic scam on the American people. How can you lend money without considering economic conditions in the labor market? How can you lend money to 1000 marketing degree majors when there are only going to be 100 marketing jobs in the market? Navients lending was negligent and only sought to make profits. They never cared about the borrower. See you in court Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My complaint is with Cash App, I had 2 accounts with them that I used for different reasons, On XX/XX/XXXX for no apparent reason they closed both of my accounts, I sent them so many text messages and have gotten no reason as to why they would do that. I have asked them over and over and explain to me why, and today is XX/XX/XXXX, and I still have not gotten a legitimate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reported this organization in a previous notice to you earlier this year, as a sub-collector on another bill. This one in particular is the same type of situation, in that I never received an original bill, nor any follow-up past due notices, around the time of service. Evidently, the organization ( XXXX XXXX XXXX ) sold accounts to XXXX XXXX who is attempting to collect through Phoenix Financial. As in the other cases, I do not believe I should be responsible for this charge, due to what I've already said and the fact that it's been almost three years now. Another point is that they're using my street address when I actually have a PO Box that is my official address. All other legitimate creditors and organizations, such as the IRS, my bank, DMV use the POBox. I would appreciate this being written off and closed from my credit report as I paid my portion of bills that came from other providers around the time services were rendered. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Ditech Financial LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am a creditor in the XXXX  bankruptcy. I have notified naviant and XXXX multiple times that I will not be making payments until there is a resolution. They continue to harrass me and make up stuff, and attempt to intimidate me, and even hang up on me when I return their unlawful and harrassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: AR
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:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: PNC Bank N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My identity have been stolen by unknown persons, and it needs to be cleared as soon as possible, I am a victim of being compromised by unknown individuals in the past years but have no clue who the theft is that did this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Navy Federal Credit Union approved an auto loan and overnight the check onXX/XX/XXXX. I found a vehicle onXX/XX/XXXX and the dealership called Navy Federal Credit Union to get authorization code to clear the check. Everything got cleared and we finalized the paperwork. I put insurance on it bought stuff for it and I'm ready to start business. 

On XXXX the dealership calls and states that the check did not clear. The bank called me as well after I received call from him to tell me they could not clear check because it's a commercial vehicle. No one had called me up until this point. I had spoke to several of the Navy Federal employees and all pulled up the account seen all the info on the vehicle including the XXXX report. They all stated everything was good to go. 

Navy Federal stated that I would have to get a business loan approval. So I called and tried to apply but they will not do vehicles under XX/XX/XXXX. So now I have a truck in my possession with a signed contract agreements that's not paid for. The dealership has spend money out and got everything transfer over and now have a truck that has accumulated more miles. 

Navy Federal Credit Union doesn't want to take accountability for their mistake even though some of their employee 's think they should. I need HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Back in XX/XX/XXXX I applied for a $ XXXX installment loan through Synchrony Bank to pay for a medical procedure. They were offering XXXX  months no interest financing as a special offer. When I was approved for this special offer I added my payment information and setup my payment which I thought was setup to pay off the loan over the XXXX  month special offer. There was no other payment amount provided to me at that time except to pay off the full balance or manually enter an amount in. My assumption was that this loan was paid off in full as of XX/XX/XXXX given that I have never missed a payment and everything was setup to be paid off. In reality, the payment option they provided doesn't fully pay off the entire balance of the loan so in XX/XX/XXXX I still had around $ XXXX in balance outstanding. My promotional offer expired and they added {$5000.00} in back interest at XXXX  % interest from the previous XXXX months to my balance. My total balance is now back right where it started and I owe just shy of $ XXXX in outstanding balance with the added interest. I called to talk through this with them and explain what happened but they were unwilling to help in anyway and said that they had sent communication this was happening back in XXXX. I went back to the email they sent and it never mentions that they were going to add {$5000.00} in interest at that time to my balance. I would have just paid off the remaining $ XXXX in outstanding balance and been done with it. The email they sent was just a standard " here is your monthly payment amount '' email. You have to go into the statement and look at the very bottom of the XXXX page below all the main financial info to find out that they are going to add all this interest. This to me just doesn't seem right and I think I should be given the opportunity to pay off the balance of the loan minus the extreme interest that was added without my knowledge.

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 2020-04-12
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is unable to process or refuses to process ACH Payments from XXXX. I can not get in touch with them over the phone ( their number is always busy ). They do not respond to secure messaging on their site. I have sent them 10 messages over the last month, many stating that I could not get through to their phone number. Their response ( after 10 days! ) was for me to " Call them ''. I get half a dozen mailed letters a week stating that my payment was canceled because I " stopped the payment '' or that I am in default. I did not, and my bank has no record of such an action. I can't even get a hold of them to try and figure out why they cant process the payment on their end.

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 2022-03-07
Company: United Collection Bureau, Inc.
State: NC
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:
This company has violated my Hipaa rights as a consumer and refuses to take the 2 accounts they are reporting off of my consumer reports. I have requested documentation on these 2 said accounts which are double reporting on my consumer reports with XXXX XXXX. I have not signed any documentation for United collection Bureau to have ANY access to my private non public information yet they have copies of my procedures as well as my insurance information and test results. I have confirmed this with the original creditor as well. I want these accounts removed from ALL Consumer Reporting Agencies immediatly. 
Account # XXXX {XXXX} Account # XXXX {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023 about XXXX PST, I added an external credit union account to transfer {$10000.00} was denied on the Citi website. Called the toll free number and was put on hold for ~40 minutes to only be told that the Fraud department is closed and to call back the next day. 

Next day XX/XX/2023 around XXXX PST only told to call the Fraud department back in the 3-4 hours. The representative told me I would get a call back instead. Got a call back from the person that said everything was resolved but it wasn't as I tried again to transfer the money and was denied. I called again and was to wait 3-4 hours before the online account would reflect. I asked if the representative if I go to a bank would they be able to give me all my money in cash. He said yes. Without ever knowing if I would ever be able to get my money out of the bank, I made an attempt to liquidate the account in cash in person at XXXX. I was told I could not be given the complete balance and that {$20000.00} was the maximum. I had to wait for an authorization from some remote department. I was given the amount in cash. I went to a second location ( XXXX XXXX, XXXX ) at XXXX XXXX to continue to attempt to get all my funds and was only given {$10000.00} after talking with the fraud department. Then I went to a third location to attempt to withdraw the maximum in cash and was denied after getting verified. I went back home continue to try again to transfer {$10000.00} online and again I was denied with the same message. Again I made another attempt to reach a person and find out what was going on at XXXX. Again referred me to the XXXX department that was closed and to try the next day. 

On XX/XX/XXXX, I tried in the morning at XXXX PST to call and was told everything was again resolved and to wait some time for that to reflect. 
On XX/XX/XXXX my online account was deactivated and I was again referred to the Fraud department. They told me to wait for a letter but I already wanted to liquidate and close my account. I only wait for another ACH transfer I initiated to withdraw from that account to clear before I closed. I had to call in to get make sure I get my money and to be able to close out the account due to their inability to be clear on the rules for fraud and fraud detection. 

No where in any of this was I communicated that I should not withdraw large amounts or that my account would be restricted if I continued this. No one gave me any support to say this initial matter would be resolved. Had I know transferring money out of an account with Citibank would be an issue I would never had opened one.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX. In XXXX, my Identity has been stolen, so the same XXXX  people used my information and opened many accounts at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Macys credit card XXXX XXXX Massachusetts. l got those bills in XXXX. I reported to the local police department and the Identity XXXX. I reported the fraud claim to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX verified my pieces of information and were settled and solved. For the Macys credit card ( XXXX ), the total amount is {$20000.00}. l claimed on the phone in the middle of XXXX. I got a letter from Macys responded in XXXX, said that they need investigation for this case without asking any identifications, personal information. 
In XX/XX/XXXX. I got the letter from Macys credit card company, it said that we have determined that l am responsible for the charges in question from the completed investigation. How could Macys credit company without requiring any informations from me and determining l need to responsible the bills. Please help me to solve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief