BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
The U.S.Treasury has been listing false information on my TransUnion and XXXX  credit reports since XX/XX/XXXX. In the Fall of XXXX I tried to have the false information removed from both, but both overseas operation call centers only allowed me to place a 65 word statement on both. 

Complaint # 1 - As time passes TransUnion or XXXX. is changing the " Date Opened '' of the accounts ( 2 out of 4 ), with then changes the " Estimated month and year that this item will be removed ''. 

On XX/XX/XXXX at XXXX XXXX  - TranUnion received by Priority Mail XXXX - 16 PAGES OF DOCUMENTATION INCLUDING A 1 PAGE LETTER directly disputing each account U.S.T. was falsely posting on my report. 

Complaint # 2 - In my written letter I addressed the following : ( A ) - Overdrawn Annual Leave and Recover Taxes owed on salary overpayments - MY RESPONSE INCLUDED - two ( 2 ) attached stubs and checks with VOID wrote on front of both checks, including the words on top right corner stating " VOID AFTER ONE YEAR '' ( B ) - Health Benefit Premium Related XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. - MY RESPONSE PROVIDED - XXXX XXXX XXXX - lower left hand corner - " LAST DAY IN PAY STATUS XX/XX/XXXX and SEPARATION-EMPLOYEE WAS SEPARATED FOR UNACCEPTABLE ATTENDANCE PERFORMANCE. The XXXX. expects me to pay for health insurance after I was terminated, THAT I DID NOT REQUEST AND I DID NOT SIGN AND DATE ANY TYPE OF OFFICIAL PAPERWORK FOR. 

I don't know what part TransUnion had trouble understanding with the provided documents, but according to the Fair Credit Reporting Act - IT CLEARLY STATES - " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable 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 2018-03-24
Company: Experian Information Solutions Inc.
State: RI
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 recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any.

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ).

I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation.

The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above.

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX   XXXX   # XXXX  XXXX # XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AAA Auto Title Loans, LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX I received an email from Cash1 LLC, claiming that I owed {$540.00}. I have never heard of this company and they are claiming that this debt has been owed since XX/XX/XXXX which was the month that someone was using my identity in order to get personal loans..I don't owe this debt because I never signed up or was aware of this personal loan that was taken out in my name with my social security number, I am aware who this individual was that stole my identity and chose not to press charges due to mental illness issues and lack of accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2021-08-05
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contact Midland funding LLC about my 2 accounts with them ( XXXX XXXX  and XXXX XXXX XXXX  ). Midland Funding LLC assigned my two accounts with them to XXXX, XXXX XXXX XXXX XXXX. I contact XXXX, XXXX XXXX XXXX XXXX to settle the said two accounts. They informed me that there is a third account under my name. I asked them who is the creditor, they said it is from XXXX XXXX  that was sold to XXXX XXXX add XXXX XXXX assigned the account to them to collect. 
That XXXX XXXX  account had been settled and paid long time ago. 
XXXX, XXXX XXXX XXXX XXXX is not helpful when I tried to explain to them that it was settled and I gave them the confirmation # that the account is settled. They insist that all three account should be paid. 
I do not know how to handle this situation. I just want to settle what I owe and not what i already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the removal of incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: Experian Information Solutions Inc.
State: SC
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 had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to XXXX and XXXX and disputed online with Experian requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.

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 2018-08-03
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened one account with XXXX XXXX XXXX for a wireless phone. I paid consistently on my bill. Somehow, there were 2 accounts created when I did this, and XXXX XXXX XXXX already told me I only owe {$170.00} total. They couldn't even figure out what the other amount was for. They admitted they had never seen this before, but it was their mistake. So of {$360.00}, I ony actually owed them {$170.00}, which I have paid. The XXXX   people called the debt collection agency, Diversified Consultants, Inc., and while I was there XXXX and I both spoke with the collection agency. They agreed to lower the amount that I owed to {$170.00}. I paid the amount a few days later. But there's still a balance of what was left from the {$360.00}, and it ended up on my credit report. XXXX  can not do anything about it but said to dispute the charges with Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient has steered me to struggling toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans for my private student loans. 

Total Current Balance : {$33000.00} I am past due and can not make payments due too it being to high and unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Recently I cancelled all reoccurring online bill payments, not just for a month but permanently and then all of a sudden bill payments are still being made like Id never cancelled the reoccurring payments and this had been done to me once before and I never said anything and speaking to anyone via customer service was like talking to a wall

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Deliquient mark showed up in XXXX and not XXXX, this proves inaccuracies in their information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice from Aamco/Synchrony Car Care dated XX/XX/2020 stating my credit limit was being lowered from {$1000.00} to {$620.00}. The letter also stated they lowered my limit based on a credit score of XXXX and multiple derogatory and delinquent marks on my XXXX  credit report. I contacted XXXX  who stated that at no time did my credit report reflect a credit score of XXXX nor do I have any derogatory marks ( except currently Aamco/Synchrony ) due to their balance decrease.My credit score is XXXX and was XXXX on the date the company claims to have been provided that score. I tried to call and have my credit limit reinstated and was told I would have to take it up with XXXX. As stated, XXXX  stated and provided a copy of my credit score that at no time current or past was my score XXXX. I have had the account for over a year and have never been late on a payment. There was no reason to decrease my credit line, let alone state they pulled my credit report.

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 2019-05-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter from TD Bank dated XX/XX/2019 thanking me for opening a " TD Growth Money Market '' ( account number ending in XXXX ). I have never opened an account at TD Bank ( other than a loan many years ago ) and went to the branch on XXXX XXXX in XXXX, MA to speak to an employee. The woman I spoke to stated that there was another customer with my name in another state and that the account set up was an error. She assured me the account would be closed immediately. Two days later, I received a statement. I assumed it was because the account was closed, as the statement cycle was only a few days long. Today, XX/XX/2019, I received another statement for the same account. I tried to contact them, this time, through their customer service website, but received a message that it was down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Solar Mosaic LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan with Mosaic was arranged by a company that installed solar panels on the roof of my home. Payments on the loan began onXX/XX/XXXX21 and are due the first of each month. I track the payments and daily interest in a spreadsheet and an amortization schedule spreadsheet. ( The loan is in my wife 's name but during the call referenced in paragraph 4, she gave permission for me to discuss the account ) In addition to the monthly payments, i made one additional payment in XXXX and two additional payments in XXXX. The effects were expected as the daily interest gradually went down - the differences in the interest and principal from the Mosaic website and my own tracking methods was negligible. 

With the XX/XX/2021 payment, however, the numbers were drastically different. I was expecting about a {$30.00} in interest at about {$4.00} daily interest from a payment that processed XX/XX/XXXX to XX/XX/XXXX. Instead I was charged {$48.00} in interest. 

I did call a customer service number and left my information and a message on the situation - rather than waiting for a response, i called again during business hours. The customer service representative ( XXXX, who was friendly/professional ) noted the current daily finance charge was {$4.00} ( close to what i have in my amortization schedule ) but she said that the interest charged on XX/XX/XXXX was for 11 days. 

By my calculation, XX/XX/XXXX to XX/XX/XXXX is 7 days. I am not sure if it is legal but it would certainly seem unethical to add days to a month. If each month is a set number of days in their calculations it would seem they should have a monthly interest charge rather than their daily finance charge. I am glad I have been tracking the payments and I caught this early in the loan so that ( hopefully ) i can prevent years and years of continued ripoffs by this unscrupulous company. 

The Mosaic rep is running a report to see how the interest was calculated the way it was. 

I encourage the good folks at the CFPB to look into this company to see if there is a history of ripping people off with excessive interest and finance charges. Please do not hesitate to contact me for additional information. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for 3.5 years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for 12 hours a day '' I responded no I take 4 or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Hillcrest Davidson & Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is not mines. The debt is a utility company in Texas. I live in XXXX and I have a whole bunch of energy companies that is using my social security number. I believe that all these energy companies are the same people. I am not sure how a company is using my social security number for energy services in Texas. I have contacted a few of the companies and only one would take it off of my credit report. The others are giving me a hard time. They asked me to send them a copy of my ID and social security card which does not sound right to me. I am XXXX years old and I have not traveled to Texas or any where to that matter. I filed a police report and put a freeze on my credit report. I will attach the police report and other information I have to show that these companies are in Texas. I am a victim of identity theft. I will also attach my XXXX bill to show that I live in XXXX and I pay my XXXX bill on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Over the last 5 years, I have attempted to settle this HELOC with HSBC with a single payment, a partial payment lower than what I owe them. The two liens on the house XXXX XXXX is approx. {$410000.00} and the HSBC heloc is with penalties and interest $ XXXX. 
The house is worth about $ XXXX. 
Over and over they sent me back to loss mitigation to create a payment plan for the {$350000.00} Heloc lien which serves me no purpose as there is no equity in the home for me. 
I have written them at least 7 times offering a single payment buyout of the total debt of {$30000.00}, {$20000.00} and {$15000.00} to open a dialogue with them. Nothing. 
All I get is a long loss mitigation form and I'm back to square one. 
They are now moving forward with a forclosure on the house, the home I wanted to retire in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: U.S. BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I have received a secure message from US bank as I attached the email. 
But the site is XXXX XXXX site. 
I tried to register as a member on cfpb 's site, but I couldn't do it. 
Also I tried to login on your site with the password what I got impormation from U.S. bank but it didn't work. 
Please let me know why it is not U.S. bank 's site, and I sould follow the direction or not as soon as you can then I'd really appreciate it. 
Thanks XXXX XXXX

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