BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-14
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX added a collection on my credit report. I never went to XXXXXXXX XXXX and never applied for credit nor any services from them. How did they get my social security number. Please delete this account I have too many inquiries that are no mines I want investigated please see below. Who did these inquiries on all 3 of my credit bureaus too stressful. Please investigate to delete XXXX Inquiry from XX/XX/XXXX!!!!!!!!! who is this XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX BankXXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX General Clothing Stores Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Miscellaneous Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX Miscellaneous Utilities Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX

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 2018-06-19
Company: Bayside Capital Services, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have received several threatening calls, my employer received them as well as family and EX family. I have repeatedly told them if they have something for me to feel free to mail it to me certified mail and I will be happy to respond but to never call me or anyone involved with me again. They have continued to call. When i confronted them they asked m in a laughing tone if I was sure I knew the law regarding what they were doing and I said I did. They mocked me and laughed and said they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
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 disputed this back in XXXX XXXX it now has been 4 times and they will not send me a wet copy of the original sign contract per FRCA SEC 61 .A 1.A. 609 5A. IF NOT RESOLVED soon I will file suit in 30 days ill have no choice covid 19 Nd this forced lockdown with no work no one to help and the3se negitive items that are not true now the SBA w0nt give me a grant im drowning no help n n0 0ne cares please help you could be my finL hope.XXXX XXXX XXXX account # said xxx. XXXX please delete

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 2018-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2018 TransUnion re-inserted previously deleted items from XXXX XXXX  without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also XXXX  on XX/XX/2018 really-inserted items from XXXX XXXX  without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.

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 2018-06-10
Company: BMW Financial Services NA, LLC
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:
My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018 I had XXXX deposited into my account and it also stated that the avail balance was XXXX. 
I have been waiting for this money it was suppose to be for kids for XXXX and that was the whole reason for opening the account with citi bank. So that I could at least make my kids XXXX a good XXXX due to the loss of their dad. Whom died in an car accident recently. 
. The accident happened on XX/XX/2018 it was on the news. He was our bread winner for the family and our love and support. 
My point is my kids already going through alot did not need to be disappointed on XXXX too. But they did not get nothing for XXXX and no fireworks on XXXX XXXX XXXX either. 
But they had no XXXX thanks to citibank. Some of them the customer svc rep was awesome but alot was also rude and not even making me feel like they gave me there all wen trying to help. 
They didnt have that drive in them, the drive to go above and beyond for me or anyone else. Me as a XXXX XXXX I go above and beyond my means to help customers. I would walk on fire for them. So my kids holidays was one big disappointment. 
I sent my documents via fax so now im jus waiting again. I'm very angry and mad at the service they provided for me. I dont reccomend this bank as a friendly bank. 
So my account is still on hold.fyi. This is a new 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 2018-06-13
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX has called my employer and multiple family members. I've asked them to stop contacting me and my employer and they have not stopped. They have threatened with legal action and wage garnishing. They have harassed my parents, siblings and employer repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: The CMI Group, 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:
I do not recognize the new inquiries on my account

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 2019-01-02
Company: Nicholas Financial Inc.
State: TN
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:
To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. 

I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. 

This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Shellpoint Partners, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is complaint in regard to SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX. 

Above financial entity pretend to be Holder in due course to my Mortgage/Note instrument produced XX/XX/XXXX between me ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. ) and XXXX XXXX XXXX. 
Above Mortgage has start to be foreclose on XX/XX/XXXX in XXXX. XXXX County Circuit Court commenced by XXXX XXXX  XXXX ( which has been proven of wrongful foreclosure practice in XXXX  state ) During that time various financial entity ( in fact dept collectors ) present themselves as consequent assignee of Mortgage/Note instrument. In XX/XX/XXXX Shellpoint present themselves as such. 
During that time I am in dispute communication letter pursuant to 15 USC 1692 et all. 
No mention of fact that Shellpoint has disrespect 90 % of my QWR request, also have diversifies my attention/respond and communication to 5 different addresses to which I had try to keep up with my consistent defend position. 
Addresses to which I had to keep up my effort. 

1 ) .... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXXXXXX. XXXX, XXXX   XXXX. 

2 ) ... ... SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, XXXX XXXX. 

3 ) ... .. SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 4 ) ... .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regardless to QWR full cooperation/respond refusal, Shellpoint produce its statement on XX/XX/XXXX that XXXX XXXX XXXX at, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is the owner of purported loan See attachment 1st page. 

In letter XX/XX/XXXX XXXX made statement that XXXX XXXX XXXX at, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is owner of purported loan See attachment 2nd page. 
In XX/XX/XXXX Shellpoint pursue Court enforcement action with Shellpoint affidavit doc. etc all. However course of action/court order revile its true attorney representation ( false  representation in fact ) which is Not Shellpoint but XXXX XXXX entity. See attachment 3th page. 
All of the above cause total confusing and misleading homeowner of available remedy and/or rightful defense venue, lost by now by Shellpoint misrepresentation of facts, misleading information and diversification of attention with timely manner communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.

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 2019-01-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX title loan of {$2500.00} with a interest of 123.99 % total {$9600.00}, I am a veteran on a fixed income, be compensation/pension how can they do this, I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have worked for a local government over ten years and have made 120 qualifying payments towards my student loans. 

My application is being unfairly denied because my loans were consolidated under duress by Sallie Mae in 2005. 

Sallie Mae has since sold my loans to Navient, and neither they, nor the U.S Department of Education will forgive these loans even though I meet all of the criteria for the program. 

The next step without resolution will be to make a federal case here on behalf of fellow plaintiffs in a similar position in a Class Action lawsuit brought against the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Select Portfolio Servicing. They are my mortgage lender. I have been working with them since late XX/XX/2018 on a mortgage loan modification. 
The reason that I requested this is that they increased my mortgage payment to XXXX. This is an increase of over {$200.00} over my previous mortgage payment with them. I just can't afford to pay this amount every month on a consistent basis. 

Starting in late XX/XX/2018 I applied for the modification. I provided the documentation for this loan modification multiple times to them. For example, I have provided the signed lease agreement ( I am renting the property ) twice. Also, I have provided two months of my checking account statements to them at least four times. These statements included notes about rental income, income from work, etc. I believe that I am getting stonewalled by the company for this refinancing. Every time that I have called them there seems to be a request for something that I have already provided. Also, they have recently started replying to me by mail. This, I believe, is another delaying tactic. They are in XXXX XXXX XXXX, XXXX  and I am in XXXX, XXXX. So it takes about a week for the letters to reach me. They have told me at least twice that they have all the information they need to make a determination about refinancing. 

I am very frustrated with this situation and I am seeking your help to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Coinbase, Inc.
State: GU
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My bank notified me about suspicious activity on XX/XX/XXXX. My account received ten unauthorized charges from COINBASE. These unauthorized charges are double charges from previous purchases I have made from XX/XX/XXXX-XX/XX/XXXX. 

I have tried contacting COINBASE through email and telephone to no response. I have only received an automated " thank you '' email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX issues three credit cards to me : XXXX  Mastercard ( a general use card ), and two store credit cards, XXXX XXXX XXXX and XXXX XXXX. 

I earned a rewards secret for accumulated points on the XXXX XXXX XXXX card. The company sent notification that the certificate was mailed on XX/XX/XXXX. I received a mailing, dated XX/XX/XXXX, but it only contained my statement. I contacted XXXX XXXX Customer Service via XXXX XXXX XXXX to ask whether the certificate was mailed separately/ whether I should have concern that it did not arrive with the statement. The company would not respond to my inquiry other than to advise that I wait at least six weeks before contacting them with any questions. 

After the required waiting period, I again contacted XXXX XXXX XXXX via the XXXX XXXX XXXX. This time, I was informed that XXXX XXXX would not respond to me unless I contacted them via snail mail. I later filed a complaint with XXXX  because XXXX continued with unresponsiveness. 

XXXX responded to XXXX of Central Ohio that they would indeed provide the requested information. XXXX closed the complaint but, XXXX again refused to respond to me. 

Instead, the bank retaliated against me by closing all of my accounts without notice. They then proceeded to report to the credit bureaus causing damage to my credit rating. They also falsified notes on my account in efforts to justify their illegal actions. XXXX recorded in error that I requested " Cease and Desist, " stating they could no longer contact me. 

I never requested a cease and desist. On a recorded call, a XXXX representative confirmed that she had no record of my request. I made requests for available credit to be made available. I made multiple attempts, including the XXXX claim, for contact from XXXX XXXX XXXX. So, it is illogical that the Bank would record notes that I asked them to cease contact. 

Further, the reward certificate issue was explicitly related to one store brand account. However ; XXXX closed my XXXX Mastercard and XXXX XXXX as well, without request, consent or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting in XX/XX/XXXX, I began making extra payments on my student loans FFELP through Navient. When trying to determine how to pay down the Principal on my loans to decrease the amount of interest. The selection are extremely misleading on which option will make that happen. The website has 2 options : 1 ) No, Advance my due date by the number of payments I cover. Even if you have  XXXX amount due on your billing statement, CONTINUING TO MAKE PAYMENTS WILL REDUCE YOUR TOTAL COST OF BORROWING. or 2 ) Yes, Bill me for my full monthly payment. You will be required to make a full monthly payment with your next billing statement. The statement in option # 1 " WILL REDUCE YOUR TOTAL COST OF BORROWING '' leads the average individual to believe this will decrease the amount of interest being paid for the life of the loan. After reviewing my account and how the extra payments are being applied I started online research ( 1 hour ) to determine how to make " Principal only '' payments on Navient, I found out that my selection should be option # 2. I have begun email  communication today XX/XX/XXXX to find out if my 3 overpayments  XX/XX/XXXX ( {$100.00} ), XX/XX/XXXX ( {$100.00} ) and XX/XX/XXXX ( {$480.00} ) can be applied to " Prinicipal Only ''. I'm currently waiting to hear if this can be done, since I had selected the wrong option for overpayments - due to their misleading information on the website. I corrected my option to # 2 for future payments on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Pacific Union Financial, LLC
State: NY
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: Problem with personal statement of dispute

Complaint:
I paid my mortgage on XX/XX/2018 via wire transfer guaranteed funds. My credit report is now showing 30 days late. Ive mever been late

Company response to consumer: Closed with explanation