BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX I was declined for credit by XXXX XXXX XXXX XXXX as a result of a pull from " Trans Union ''. On XX/XX/XXXX I requested my report from trans union via snail mail but received no reply. I re-mailed the letter again on XX/XX/XXXX and have n't received a response yet. It is unfortunate that unless the CFPB intervene trans union will not comply with regulations.

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 2019-06-25
Company: CFM Group LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
my business closed the merchant account with the XXXX XXXX  XXXX at the end of XX/XX/2019, and they said they'd send the email for return merchant card machine to my email. But I didn't received it at all after 3 weeks, so I called them back XX/XX/2019 and they sent the information, it was sent to the junk/scam email box. I sent the machine out XX/XX/2019 and was delivered on XX/XX/2019 at the XXXX office as they required. yesterday XX/XX/2019 I was called so many times by debt collection company CFM ( Capstone Financial management, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, ( XXXX ) XXXX ) for asking to pay the charges over {$2000.00} for not return the merchant credit card machine to XXXX XXXX XXXX ( XXXX ) firm. The CFM and XXXX didn't send me any notification letters about the debt and not receive the machine for 4 months from the date I closed my account with XXXX and sent the machine back to the XXXX. The Capstone Financial firm did illegal/fraud action when calling my store to ask money as I know the debt collection firm will always send the notification letters details about the debt collection, reasons, company information, .etc.. .They waited for long time so they could try to scam to get money from me cause they know it's hard to track the shipping and with the USPS ( just 120 days for tracking records ). I received the email from Total merchant on XX/XX/2019 for information of return machine, and this email was sent to the scam/junk email ( I didn't know what wrong with the XXXX firm, like scam firm ), i had to move that email to my normal email box. I had all records for shipping sent out on XX/XX/2019 and the package was delivered at XXXX office on XX/XX/2019. Please help me to investigate and audit these 3 businesses ( XXXX XXXX XXXX XXXX, Capstone Financial management XXXX, XXXX XXXX XXXX XXXX ) and please Help me solve this issue, give back the right for me and my business 's reputation as my business didn't owe any money or equipment to these companies. And keep these companies away from trying to scam money from more people, more businesses.

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 2020-04-29
Company: Capital Link Management, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I was contacted at XXXX to theXX/XX/2020, I did not answer because I get a lot of spam calls, in the voicemail a Mr. XXXX XXXX from Capital Link Management company, a third party debt collector. First off I feel that the information he included in the voicemail was inappropriate, my first and last name, city , county, state, full birth date, and last 4 of my ssn. My first point is until today they didn't have confirmation that the phone number they called me on was mine or that I was the only one with access to it, secondly if I had changed my number than another individual would have enough information to steal my identity. when I called him back he informed me that I was being sued by their client XXXX XXXX XXXX and that a judgement in mediation had already been made on my case. I owed {$410.00} but could settle today for {$280.00}. He was supposed to email me for an electronic signature, which I have yet to receive, also the agreed amount of {$280.00} could only be paid in full, there wasn't any mention of a service fee on the payment, which came out to {$14.00}. The account number for this is XXXX and the confirmation number for the settlement is XXXX. 
In the end I feel that they have abused both my personal information and proper tactics on debt collection practices. 
Thank you XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions 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:
hello, experian & XXXX is refusing to re investigate an inaccurate item on my credit file.i have asked for the contract from the original creditor, they are unable to provide me this information.

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 2021-10-18
Company: Dovenmuehle Mortgage, Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This mortgage was paid off on XXXX because we sold the property. The remaining escrow balance in the amount of {$1400.00} was supposed to be refunded to me. Dovenmuehle told me that it would take 15 days to cut a refund check and it would be mailed to the property address on file, XXXX XXXX XXXX, XXXX NH XXXX. I told them this was unacceptable because we obviously did not live there anymore and their process for changing addresses is a massive hassle. They told me it didn't matter and that the check would be mailed to the old address and if " you have mail forwarding then, it should be rerouted to your new address ''. 

Several weeks went by and I never got the check, as anticipated. I called and spoke with a supervisor who demanded I go through the process of changing my address by filling out a form and sending it back to them signed by both my wife and I ( despite the fact these people service my current mortgage ). 

I called them on XXXX to have a check reissued and have the request expedited. I had to go through hoops to try and speak with a supervisor about it, who continuously told me it would take fifteen days to cut a new check. I told them this was unacceptable as I was waiting on this money to pay bills. I also asked them why they couldn't electronically transfer the money and they told me that's something that can't be done. 

It's now XXXX. I tried to contact customer service again through the online chat and I was told that my check wasn't re-issued and that they would need " more time to research the matter as it came from a different department ''. 

I am thoroughly disgusted that Dovenmuehle is giving me this much trouble in refunding me my money. I need this now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Experian Information Solutions Inc.
State: MS
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 just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX EXPXX/XX/XXXX EXP-XX/XX/XXXXXXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX, XX/XX/XXXX-EXP, XXXX XXXX, XX/XX/XXXX -EXP Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

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 2019-06-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Synopsis of Your Loan # XXXX, XXXX XXXX XXXX. and Demand of Estate 1. Loan Originated : XX/XX/XXXX XXXX XXXX, {$460000.00}, 6.5 % /annum, $ XXXX 2. XXXX XXXX took the loan over from XXXX XXXX on same day of the Loan 3. Mortgagor XXXX XXXX passed away. 
4. Mortgage payment getting delay. 
5. During the difficult time, weve been trying to get catch up the loan and even worked loan modification that conditionally approved by XXXX XXXX and we succeed 3 months trial payment period, but it is not taken the place without any explanation. 
6. XXXX promise to give us Flex Modification that we can qualify on XX/XX/XXXX 7. XXXX XXXX XXXX claims that they are the servicer of the mortgage. 
8. The point of contact pretended not to know about promised Flex Modification 9. Push to complete the loan modification form without any terms and conditions which is not the Federal Flex Modification that promised by XXXX XXXX 10. XX/XX/XXXX send us NOTICE OF DEFAULT AND INTENT TO ACCELERATE with inaccurate payment due of {$310000.00} 11. Weve tried to get solved the issues with XXXX XXXX XXXX but weve been ignored 12. XX/XX/XXXX Rushmore Loan Management Services took over the Loan as the servicer of the Loan and MTGLO Investors, LP as the Owner of the Loan 13. On your letter XX/XX/XXXX, Rushmore indicated she is servicer of loan and the owner of the Loan is XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX, Phone # is XXXX 14. On XX/XX/XXXX, CFPB officer asked me to find exact Name of the Owner of the Loan, Website Address, Mailing Address and contact Phone Number, Ive Called the above Telephone Number given by you is the XXXX XXXX not 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 2020-04-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Consumer Financial Protection Bureau ( CFPB ) Original Complaint Closed Re : Complaint ID XXXX dated XX/XX/2020 Submitted follow-up complaint XX/XX/2020 Good Morning CFPB Representative, This is follow-up letter to our original complaint. Navy Federal Credit Union ( NFCU ) did not manage our mortgage refinance ( refi ) loan request in a timely manner. Four months have elapsed since NFCU indicated they were reconsidering our application. 
We sent an email to NFCU on XX/XX/2020 to XXXX XXXX, Mortgage Processor III and XXXX XXXX, Supervisor, Mortgage Supervisor requesting a status. We received an email notification on XXXX, 2020 from XXXX Branch, Mortgage Production Supervisor, the 3rd manager assigned to our loan, that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020, in response to our original complaint, NFCU agreed to reconsider our mortgage refi at the rate we initially agreed upon. Additional documents were requested, all documents were submitted and a property appraisal was completed. This refi was initially begun nine months ago in response to an email solicitation from NFCU. 
We give up! This was an egregious way to treat a veteran and member of NFCU. We have requested a refi loan from a different lender resulting in a .75 % increased interest rate due to NFCUs ineptitude. To satisfy this complaint NFCU needs to refund all fees they collected from us for this sham re-submission of our refi application, including the fee for the completed appraisal. 

Respectfully, The XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX have never decrease my credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: MiraMed Revenue Group LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To : Federal trade commission, I am XXXX XXXX XXXX [ Copy right secured party creditor. 
For the past 5 months I've been getting letters In my email and my mailbox too, from synchrony bank XXXX XXXX card, Synchrony bank has open Many account in my name what would the reason for all that? 
1st of all my a Account was hacked someone use a account so they closed. And after that they issue more credit card but-XXXX balance no money to be use it was just my plastic squirt thing with number. 
When the bank use your name To open New account They The take the signature directed to this XXXX XXXX XXXX  And then there Percent my signature to, To be able to get the money for them not for me I know that. 

So every time they ask for money they benefit Not me. What I need the federal trade commission to do for me is to investigate. 
The account been close end [ XXXX ] they are been harass, me with Email Paper mail in my mailbox They harassing me with certificate mail, I I have finished talking to them and and I have done with them no more talking to synchrony Bank. this is a violation of my private security Agreement filing a New York UCC 1. Trademark copyright. 

They don't suppose to email me their own supposed to send mayor into my mailbox that was clear to them. They continue harassing me to pay the amount They I didn't create their one {$2300.00} when my XXXX was only {$1900.00}. The creating credit late fee height Interest charge. Even they know they don't suppose to do any their stuff because I not responsible for the account they know that you can not speak to them they not listening this need to stop. 

I'm going to file a commercial lean again synchrony Bank. I have enough evidence to do that.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: NY
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 value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2021-10-18
Company: VALLEY NATIONAL BANCORP
State: NY
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:
these accounts that appear on my credit report do not belong to me, do not belong to me, please check them, they are hurting me. 

dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft 10 NEW YORK XXXX XXXX XXXX Account Number : XXXX This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Hello, I have few accounts with the company designed receivable solution located @ XXXX XXXX XXXX  XXXX, CA XXXX and I wanted to clarify few things and I believe the manager would help me to answer my questions and I spoke to XXXX. She was cutting me off all the time, she was not attentive and sarcastic while we were on call. Her tone was unacceptable and when I asked her to provide me with her manager that she reports to she refused to provide me with the contact, she transferred me to the supervisor who is bellow her position and I had to beg them to give me the contact number for their director. I wanted to address the issue to him but he was out of office. The call was recorded with this manager. I asked a supervisor their social media address and they refused to provide me with this as well, I located their website and emailed up executive management about this incident. Nothing is transparent in this company and the manager who runs this place is rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX {$59.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Ally Financial account # XXXX My name is XXXX XXXX XXXX. I was trying to pay my loan in full and when I called they told me after paying for 3 years I still owe XXXX in principal. I checked the statements online for every payment and made a chart. They are charging much more in interest monthly than adding to principal. I have a contract which was initially signed in dealership of annual interest 12.69 % with a total of XXXX financial charge and now is a different story. I need help please. My phone number is XXXX XXXX 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