BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX / XXXX XXXX XXXX WENT ON MY TRANSUNION AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX  XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have been disputing this inaccurate account information with the credit bureaus for over 4 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. They are now in violation of 15 USC 1681 FCRA s-2 and the FDCPA.

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 2017-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
EQUIFAX is not letting me put a FREEZE or ALERT on my account. I have been trying over one week online to do so. Conveniently, they say can not find my record. Particularly odd since I downloaded my free credit report last week and I was easily able put freezes on at XXXX and XXXX. I know my information ( name, SSN, ... ).
Consumers should NOT HAVE TO PAY for the freeze for at least 5 years. I never authorized them to collect and aggregate my information. They caused the problem. They need to cover the cost of freezing/unfreezing and any lost time/money/funds should nefarious actors get my account. PLEASE JUMP ON THIS! I have a right to immediate protections and that 's today - not next week, or next month.
When I say I want a freeze, I get the screen shot attached that does n't offer me an opportunity to put a FREEZE on. Can not proceed past this screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I attempted to contact Navient by logging onto my ( secure ) Navient account and sending inquiry via their email system. My inquiry : " Good morning. My account number is XXXX. My balance is now above {$30000.00}. I am going to start repaying soon. I request that my loans be changed to the Extended Repayment Plan and to be notified of how much the monthly payment will be for each loan. Thank you. '' After 4 days, Navient did not acknowledge nor respond to inquiry. 

So, I sent a copy of my inquiry via regular email, to CustomerService@navient.com. 

Navient 's ( automated ) response : " Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction. 
For more information about this error, see DSN code 5.7.1 in Exchange Online - XXXX XXXX. '' On XXXX, a borrower can switch repayment plans on the website - so easy. Navient doesn't even display or disclose which repayment plan your loans are currently on. 

Worse : Navient won't respond to inquiries!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CITIZENS FINANCIAL GROUP, 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:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} Citizens Bank {$2200.00} XXXX XXXX  {$2200.00} XXXX  {$2200.00} XXXX XXXX   {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
To put this in a nutshell on XX/XX/2018 I was charged two insufficient funds of {$34.00} each by Chase bank! I have three accounts that are co existent together ... .I had over {$29000.00} in one account and over {$2000.00} in another account! Why is Chase Bank so Greedy for money when in fact they are already making money and Good Money on a daily basis with the money that is sitting there in the other account ... .I made a mistake of not transferring some money over and they refuse to give me my credit for the NSF ! I feel like I have been violated and abused by this mammoth of a company that has no practical sense or do they care about there loyal customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am going through a severe financial hardship with my credit cards due to a job loss and I called my banks to ask for help to help me avoid filing chapter XXXX   bankruptcy. A few of my creditors were very nice and offered me great terms to repay my debt and stave off a chapter XXXX bankruptcy. My nightmare started with XXXX XXXX, whom I have several accounts with. I called them and was transferred to there collections department and I was trying to explain to them my situation and was met with the most frustrating customer service experience ever. I could not for the life of me understand why every time I spoke I was met with silence for 20-30 seconds awaiting a reply, and then the reply was an uncooperative and she seemed to simply not understand the nature of the call, no matter how many times I tried to explain it to her. I was CLEAR that I had just gotten off the phone with XXXX and they offered me 0 % interest for 60 months to pay off the debt, which significantly reduced my monthly obligation that provided a big relief. I simply was asking for a similar program, but was met with the worst person to ever handle a phone call.

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 2019-01-08
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Equifax and XXXX Consumer reporting agencies regarding two accounts ( XXXX XXXX & XXXX XXXX ) that still remain on my credit report which were established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. XXXX XXXX also has been removed and blocked from my XXXX Credit Report. I've sent both Equifax and XXXX  Consumer reporting agencies several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Equifax and XXXX  to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have made several attempts to obtain legal documentation to show that Portfolio Recovery has indeed legal rights to collect this debt. I have sent numerous certified letters inquiring about such documentation and none was provided. The only documentation provided has been just basic statements bills from the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Movement Mortgage LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX  from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed. 



XXXX XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person called me from phone # XXXX XXXX XXXX, and previously left a message saying the call was from XXXX Court. XXXX XXXX, said she was the assistant to Attorney XXXX at XXXX, NM court. She was calling about a judgment against me. She putt me on hold to talk to Mr XXXX several times and told me the {$25000.00} judgment against me could be settled by paying 4 payments for XXXX, or 1 payment of XXXX I informed her i am on XXXX since my XXXX XXXX and i make {$190.00} per month and do not have assets equaling XXXX nor do i even make that in 1 year, much less XXXX per year. She said if i do not make a payment today, they will enforce the judgment against me for XXXX She had stated thecredit card was Wells Fargo and they had brought charges against me inn XXXX county,  NM. I told her i would call her back. Then called the XXXX courthouse in New Mexico and spoke to my friend that works at a law office, she also called the XXXX courthouse, they said no one with the name XXXX XXXX, nor Judge XXXX works at or for their courthouse ore court system. I did NOT call XXXX XXXX back.

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 2018-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them not to call me because they have other ways of contacting me. I warned them that I would file a complaint and they still keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX I made a made a payment arrangement for this account. I have paid the monthly payment as agreed and mailing it to the address I was given. 

In XX/XX/XXXX I received a letter that my account had defaulted due to non-payment, and was now with a collection agency ( XXXX  ). After many hours on the phone, I was told that Citibank only has a record of payment for XX/XX/XXXX and XX/XX/XXXX. The representative did everything but accuse me of lying when I told them that I had the canceled checks. I spent HOURS trying to get this resolved.

Finally, I went to the " Executive Response Unit '', at which point they discovered that they had applied the payments to the wrong account ( my husbands ) despite the fact that my payments were signed by me and included a sticky note about the payment arrangement, and were sent to a special address for payment arrangements and did not include a regular bill. In other words, their fault. Eventually they removed the payments from my husband 's account and applied them to mine. The Executive Response Unit ( which I have been dealing with for six weeks ) sent me a letter yesterday indicating that they were not going to respond to any of my other requests. 
( The agent at the " Executive Response Unit '' was XXXX XXXX, XXXX ) So, I HAD made the payments according to the arrangement, but THEY mis-applied them. They made no apology for all of the hours of my life I lost to this, of course. However, they are refusing to do two very reasonable things.

1 ) Remove my account from the collection agency and restore it to the original payment plan, which I was making as agreed all along 2 ) Correct my credit report, which had taken a huge hit from the " referred to collection '' report.
I am not looking to avoid my responsibility for this debt, only to be able to settle it as originally agreed. Thank you for your help.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hard inquiries from XXXX XX/XX/2019 its XXXX hard inquiries in total with equifax XXXX have tried to get it removed I reached out and no one willing to help me solve my 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 explanation
Consumer complaint received 2018-10-19
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: Old information reappears or never goes away

Complaint:
My old pay off Student loans All pay off XXXX XXXX loans And XXXX XXXX   Experience Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay

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 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: FIRST PORTFOLIO SERVICING INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had a loan with XXXX1st Associates over 4 years, and I have had issues since the beginning. I have paid my loan on time every month, and I have done so without autodraft. On XX/XX/XXXX, I submitted my payment 3 weeks early, and I noticed that another payment was drafted from my bank account on XX/XX/2020. I called on XX/XX/XXXX, and I was told that I had signed up for autodraft and that my payments would be taken on the XXXX of each month. I told the representative that I had never signed up for that, and, even if I had, I had already paid the payment for XX/XX/XXXX weeks early and they took another payment on the XXXX. I requested that the payment be reversed and returned, and I was told it would take up to 2 weeks. Still have received nothing, and I have contacted this company several times since. No reply. Last year, I sent in a total of 5 payments and asked that they be applied for the next 5 payments. I was told that was fine, then received a bill for the next month. When I called, they told me that they did not apply them the way I requested, and I was just out of luck. This has been the norm for them. I have emailed them and told them not to autodraft anything from my account. I am sure they will try, and when my bank refuses per my instructions, they will try to charge an returned check fee. I am paid ahead by 6 months, but they still try to take more. I can not even get a copy of my payment history and it is not available on their website. I have asked for that several times.

Company response to consumer: Closed with explanation