BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account :XX/XX/XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. 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 2020-07-01
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Sunlight Financial LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan from a finance company -- Sunlight Financial -- through a XXXX XXXX that installed the products on a duplex type property I own. I began paying after about 18 months and to date have made about 9-10 payments ... but NEVER, NOT ONCE, DID I RECEIVE ANY BILLING STATEMENTS!!! Now as I am doing through a Refinance of the loan on the property, I discover just now that I own about {$46000.00} when the beginning balance was {$46000.00}! I also discover that they have applied pratically ALL the payments I have made to INTEREST!!!!!! It seems ALL the billing statements they sent out went to an incorrect address and were RETURNED!!!! I requested a printout of ALL the statements be emailed to me. THey say they sent me several emails but I NEVER SAW ANY OF THESE EMAILS or else of course I would have responded. I'll bet if they had not received the payments theywould have CALLED and LEFT A MESSAGE!!!! They said they thought I understood they were applying most of payments to interest ... no matter I HAVE RIGHT TO RECEIVED MONTHLY BILLINGS ... that they could have may send by EMAIL!!!

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 2018-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX-Current, Seller XXXX XXXX XXXX XXXX trustee for computer learning centers, states that a dispute from Portfolio Recovery Associates, XXXX ( " XXXX XXXX '' ) that I owe a balance of XXXX from XXXX, I paid XXXX dollars to settle this account in or around the years of XXXX to current. They submitted documentation to me regarding an educational loan back in XXXX, where I am the buyer of an educational course from computer learning center of XXXX, which was located at XXXX XXXX XXXX XXXX, XXXX, il XXXX. I would like to know how I am still responsible for this and why their is a lean on property against my name for this account till this current date and I was able to purchase as a buyer an educational course but not an apartment or an house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated from XXXX  XXXX University in XXXX. Upon graduation my parents XXXX XXXX XXXX filed for chapter XXXX bankruptcy. During the XXXX years they were going through this process my loans were in forbearance and accumulating interest. I did not know this at the time until I was in the process of purchasing a home. Numerous loan companies would not work with me until I gave them information about my private student loans. I would try to call Navient and they would tell me that they can not speak with me about the loan that is included in the bankruptcy until it is complete. I have found out that during this time my loans accumulated over {$30000.00} of interest. The companies involved were the following : Navient and XXXX XXXX State Authority. When I would log on to XXXX the website would not show any balance at all. At the time I assumed the loans were sold off and I would begin paying to a different company. 

During this process I continued paying on my federal loans and I would have done the same with my private loans if I was able to. I am not sure what to do but now I have over {$120000.00} in student loan debt and I am struggling to make the minimum payments. Can something be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send a amount or {$2000.00} dlls to an account to XXXX via money gram, they supposed to send me to a personal bank account and never received the money, i send the money in XX/XX/2020., i call in XX/XX/XXXX in XX/XX/XXXX th they open a investigation case and told me in a month i eill have any response but its almost 2 months and didn't received any notification ... call them in XX/XX/XXXX and don't gave me any reason ... im very frustrated because my money is in limbo..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Old information reappears or never goes away

Complaint:
I HAVE BEEN DISPUTING THE ATTACHED ACCOUNTS FOR ALMOST A YEAR NOW, I AM VERY DISTRESSED THAT THOSE ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY FILE. THE ACCOUNTS ARE PAID OFF AND I WOULD LIKE THEM TO BE PERMANENTLY DELETED OF FMY CREDIT FILE. THOSE ACCOUNTS HAVE BEEN OFF MY REPORT PREVIOUSLY AND REAPPEARED WITHOUT MY KNOWLEDGE. PLEASE REMOVE THOSE DISPUTED ACCOUNTS OFF.

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 2021-10-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute about incorrect items on my report and the investigation has been well over 30 days. I have not gotten any response about the investigation

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 2021-03-25
Company: Experian Information Solutions Inc.
State: FL
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 had an issue with an account not belonging to me on my credit with we financial. I informed all three bureaus along with the original creditor. The original creditor agreed to remove accounts hints the letter Ive attached. XXXX and XXXX have removed account. However, Experian validated this account and has yet to remove it. I previously sent a complaint to the cfpb and for whatever they said they couldnt verify me. So Im submitting my Complaint AGAIN along with proof of deletions with this account

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Submitted a complaint with you today ... # XXXX all of a sudden they responded but want me to pay {$24.00} per month to view the report. Seems to me that this is extortion.

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 2021-07-08
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX Account # : XXXX Balance Owed : {$1500.00} XXXX  Account # : XXXX Balance Owed : {$440.00} XXXX Account XXXX : XXXX Balance Owed : {$25000.00} XXXX Account # : XXXX Balance Owed : {$6700.00} XXXX  Account # : XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Account # : XXXX Balance Owed : {$270.00} -- -I have submitted my dispute letter for these accounts as I believe these are inaccurate but I have not received any results from the credit bureaus. It has been more than 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$680.00} on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been settled. XXXX  is reporting correctly. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be updated to report a {$0.00} balance. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2018-08-21
Company: First Associates Loan Servicing LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I obtained a car loan through XXXX XXXX XXXX back in XX/XX/XXXX. The loan was then transferred to XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX and elected to voluntarily surrender the vehicle. I was informed by the lender 's attorney that they are not coming to pickup the vehicle. They have filed a claim in my bankruptcy case for the balance of the loan ( {$4400.00} ). I now have a vehicle I can not dispose of, if they are not going to repossess it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: CA
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 AM INCLUDING NOW A FOURTH LETTER FROM XXXX DATED XX/XX/XXXX. THIS IS NEW AND RELEVANT INFORMATION. Experian continues to report the XXXX account number XXXX. They are refusing to delete this item from my credit report in spite of the fact that XXXX has requested that they delete the account from my credit report 3 times. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. On XX/XX/XXXX XXXX sent a request to Experian to delete the account from my credit report. Experian continues to refuse to delete the XXXX account. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX NY 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 2018-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against Bank of America Credit Card Services, and its prevention and fraud department. The reason for this is an excruciating situation for me, because from one day to the next Bank Of America personal profile and credit card 2 credit cards appear that do not belong to me, never open those accounts, never authorize the opening of these cards, I believe that this department did not give me the right treatment, put some cards in my profile without being mine, affecting my personal credit with the 3 credit bureaus and also with the same bank. When I saw in my profile of BOFA, the first thing I did was to communicate with the bank, the response was so disastrous and of little professionalism, well Ms., this investigation can take 90 days, and knowing that these accounts have another name and another surname and SS different, because they are still there in my profile.

These are the numbers of follow-up complaints to my problem : 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 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Hard inquiry on all 3 credit reports from capital one na XX/XX/XXXX that I did not make. I sent capital one a letter XX/XX/XXXX asked them to validate or remove it. I received a blanket response from capital one XX/XX/XXXX reference number XXXX Which is simply a blanket response explaining types of inquiries. It is a hard inquiry that I did not make and they have failed to validate in over 30 days. I want it removed. I spoke to supervisor XXXX today at capital one and she asked for more time. Their time is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was paying down a balance on my Synchrony Card and had {$660.00} left to pay off from items purchased at HH Gregg. My monthly minimum payment was {$25.00}. Each month, I paid {$60.00} to pay off the balance more quickly, not realizing that the additional funds were not being put towards the principal. My XXXX statement indicated that over {$800.00} had been added to my account as deferred interest, although I had been paying over the minimum amount due. Nowhere on the statement does it state how much per month needs to be paid off to avoid deferred interest. My balance is now over {$1500.00}. Upon seeing our statement, I immediately called the company to pay off the actual amount owed ( {$660.00} ) and have the deferred interest removed. They declined and would not offer any sort of compromise. This is predatory lending and we are now being charged more than double for items purchased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I purchased a two day ski pass from XXXX XXXX  ( XXXX ) for {$350.00} to be used between the dates of XXXX at XXXX  XXXX  XXXX  XXXX I was able to use the first day as intended but XXXX closed all resorts for the season across the XXXX on XX/XX/XXXX due to the rise is COVID-19 cases and I was never able to use the second day. XXXX set up a webpage to request refunds which I utilized but I was told that it would take up to 12 weeks to see any sort of resolution. I didn't consider this an acceptable timeframe so I filed a dispute with USAA ( the credit card issuer ) on XX/XX/XXXX. Note that while I did not receive any further correspondence from XXXX regarding my utilization of the refund webpage ( and still haven't ), they only ended up offering customers the ability roll the unused days into a pass next year instead of issuing refunds to the method of payment. 

Regarding the dispute, I provided USAA with the public statement that XXXX XXXX  closed on XX/XX/XXXX, as well as the invoice for the tickets purchased. The dispute was revoked and when I inquired I was shown proof provided by XXXX that I used the ticket on XX/XX/XXXX. I told the customer service rep that I mistakenly entered the full transaction amount and that my intention was to recoup half of the ticket value ( {$170.00} ) since only half of the days promised were used. The rep noted this in the dispute but I was again contacted by the bank at a later date and told I need to provide further proof of correspondence with the merchant ( for which XXXX did not provide a carbon copy of when the refunds webpage was utilized ). XXXX is notorious for poor customer service and they are currently engaged in a large civil suit with pass holders over this very matter so I would really prefer to not continue interacting with them for something that I do not consider to be an acceptable resolution ( unused days rolled into a pass next year ) nor a good use of time and energy. 

Bottom line, I was promised 2 days of lift service by XXXX and only provided 1 day of their own volition. I am seeking a method of payment refund of {$170.00} for the 1 unused day which XXXX is publicly refusing to do for their customers with unused days and USAA is being extremely difficult about issuing a chargeback for a service that was very clearly promised, purchased and not provided by the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: Summit Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Summit Collections has violated my Federally protected rights under the FDCPA. Pursuant to 15 U.S.C 1692a-3 I am not obligated or responsible to pay you for this alleged debt. XX/XX/XXXX at Summit Collections had a representative contact me on there behalf and I asked her to notate my account to Cease communications from me from all mediums and the rep hung up the phone and disregarded my demand. Summit then by sent me an alleged billing statement vial mail dated XXXX XXXX violating my Cease and Desist 15 U.S.C 1692c ( c ). Summit abusive debt collection practice has caused me anxiety, mental anguish, fear of not knowing if this company will continue harassing and trying to coerce me into paying an alleged debt. Attached is a written Notice and invoice for the violations under the FDCPA. Failure to comply will result in Legal Matters in Federal court.

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 2017-08-05
Company: Ditech Financial LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX. XXXX XXXX  Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.

Company response to consumer: Closed with explanation