BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: C & M Associates Group, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was contacted about a XXXX XXXX XXXX credit card opened in XXXX they said I owed over 17 thousand dollars or Id be taken to court I was pretty sure I had paid every prior to getting my home loan in XXXX. They kept pushing a settlement and I agreed not to the settlement but to XXXX dollars to not take me to court so I could figure out what they were talking about. I found the letters from the collection agency I paid in XXXX for this credit card. Contacted them and the refused to refund my money then the next day took XXXX dollars and over drafted my account. Called them and they keep hanging up on me this is not my debt its been paid for already. They refuse to hear me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: MA
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: FinCo Services Inc DBA Current
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, so this all began on XX/XX/2021, at XXXX am there was a charge for {$370.00} from a company claiming to be my insurance company. However my insurance company received their payment on XX/XX/2021 and only document taking one payment. I can tell it was a different company because the lettering was off from the actual company. I had filed for a transaction dispute on XX/XX/2021. After Contacting the company various times to follow up the dispute and help the case with any info I had or to even talk to a case manager. I was left blind for the process when I have obvious proof that its an unauthorized charge. I submitted pictures to them on their app but they appear to have not have used them to investigate the unauthorized charge at all. About 2 weeks later as this bank has a 10 business day policy regarding claims, the case was closed and I wasnt refunded the money that wasnt even authorized to leave the account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XX/XX/2020 Collections opened XX/XX/2020 Amount owed {$1300.00} I have already disputed this collections. I have not lived nor received medical care in XXXX Texas in over seven years. Nor did I receive any mail regarding such collections. 

Ive contacted both XXXX XXXX and Phx financial and this collection is not mine. It just isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Today, XX/XX/2018, I was unable to delay my monthly Student Loan Payment due to internal processes present within my Loan provider, Navient. Due to financial hardships as well as with an irregular pay schedule I was unable sufficiently satisfy monthly payment. When calling the provider to put a stop/delay the automated payment, they explained that it was too late to delay the payment ( even tho I called before the payment scheduled payment date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-02-09
Company: TRUSTMARK CORPORATION
State: AL
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:
This involves a construction mortgage loan which was with Trustmark National Bank. Trustmark 's mortgage division denied a previously approved 30 year locked in rate ( see exhibit F ) for the permanent financing for this construction loan. The underwriting was behind schedule because they were all working from home during the height of the pandemic. This caused a delay in underwriting, so the denial occurred two months after the maturity of the construction loan. The reason for denial as stated by the Trustmark mortgage division ( see exhibit G ), was that they perceived that there was a forbearance on my credit from another loan ( different bank ) because the credit report showed a footnote that said " affected by national declared emergency '', even though the report reflected all debts as current. Trustmark bank, who held the construction note, then agreed to provide accommodations by modifying the loan, lowering the rate, deferring the current payment that had matured, and amortizing it for 240 payments. The span of time between when the construction loan matured, and when the underwriting for both the mortgage division, and the bank itself was complete was approximately 90 days. For this time period, the bank charged interest for the time value of the balance, but at the same time it reported the note as delinquent ( see exhibit H ). 
In Summary, My complaints are against Both Trustmark National Bank and Trustmark Mortgage for the following reasons : 1. Trustmark National Bank provided accommodations as defined in Section 4021 of the CARES Act, while being aware of, and in full knowledge that this issue was directly affected by COVID 19. 
2. Trustmark bank violated the Fair Credit Reporting Act as well as Section 4021 of the CARES Act in reporting the covid related accommodations as delinquent.

3. The illegal/erroneous reports by Trustmark National Bank, has caused financial harm to me.

4. Both the loan officer, and branch president have been notified in writing of the incorrect reporting, but as to date, they either refuse to respond to the email, or otherwise have failed to respond. When confronted in person, the branch president stated his position to be that he had made no errors and would make no corrections. 

I have made every effort to pursue this through the channels available to me, such as filing disputes with the bank and various agencies including the credit reporting bureau experian. Now as there have been no corrections, I will pursue litigation if this avenue is not successful.

Thanks for Your Help In This Matter

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 2019-11-04
Company: SYNCHRONY FINANCIAL
State: NC
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:
My account was current, now my account says 30 days late. How does an account that has been paid off and closed for over a year now recently become 30 days late when it was reported as current in XX/XX/2018? I truly believe XXXX XXXX XXXX XXXX Ashely 's Furniture is discriminating against me and this is not fair at all. The account has been paid 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 2020-09-08
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Out of the blue in XXXX I received a bill for {$1700.00} from BB & T (  Now Truist following merger with Suntrust ) on my monthly mortgage statement. The month before, XXXX, I received a more typical bill of {$330.00}. XX/XX/XXXX, I had mad a payment {$1000.00} and another on XX/XX/XXXX for {$2000.00}. So this {$1700.00} bill left me confounded. Upon contacting the bank by phone I was told that this was past interest BB & T had not been able to show on any previous billing statement, but was now possible because of Truist 's new software. But even on the XXXX statement none of the numbers add up in any understandable way. 
The Column showing the " explanation of amount due '' is indecipherable with any conventional math.BBT/Truist multiple times. I have been put on hold for hours while customer service representatives try to make sense of my account. 
Most recently I spoke with XXXX XXXX regarding the issue. Ms XXXX acknowledged that the bill was in disarray but said that prior to BBT joining Suntrust to become Truist, BBT had no way of calculating said suddenly due interest. When I pointed out that the bill in no way showed a logical balance she said she would escalate the issue to an accounting division to verify. Ms XXXX like other representatives promised a return call that did not come. 
On repeat calls to her direct line I have been routed directly to voicemail and have not received any return calls. I did receive two separate billing statements dated XX/XX/2020 in XXXX. XXXX had the amount due of {$73.00} and a second with amount due of {$1600.00}. 
In summary, I was receiving normal billing statements up until XX/XX/2020 when I was suddenly told I owed a large amount of interest that had never been referenced on any past billing statements. At no time has the bank provided me with a bank statement where the numbers balance and/or account for the " discovered interest ''. The Bank expects me to just pay {$1700.00} in interest they say they discovered during the merger. 
I will attach the statements from XXXX and XXXX as well as the two disparate statements from 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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the FCRA, XXXX XXXX XXXX as well as XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN instructions. 

XXXX XXXX XXXX XXXX XXXX Account : xxxxxx XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX Amount Owed {$720.00} XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Amount Owed {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Note to file XX/XX/2020 Today XX/XX/2020 I received message from XXXX my check had been returned .. 
so I check it was my Mortgage payment in the new amount of {$880.00} So statement said new amount normal payment $ XXXXapprox. 
everything was good.til I received notice I called spoke to Agent XXXX..XXXX  He told me couldn't speak me due to no Consent form from my attorney XXXX XXXX ( XXXX XXXX XXXX XXXX..email my request to his assistant XXXX forward the following Debtor : estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Lender : PHH Loan # XXXX ( f ) XXXX XXXX XXXX email : XXXX consent need to request resolution/payments etc XXXX XXXX Widow of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I filed a CFPB complaint with XXXX XXXX, TransUnion, XXXX and XXXX about false and inaccurate information. XXXX XXXX  is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the XXXX  XXXX XXXX be removed from all of the consumer reporting agencies that they are reporting to. 

I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. 

I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which XXXX XXXX is claiming that it is a loan, which is proof that the information is false and inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Re : Civil No. XXXX ( Circuit Court ) ; CAAP No. XXXX ( Hawaii Intermediate Court of Appeals ; and XXXX ( Hawaii Supreme Court ) Dear Sirs : I am a pro se litigant and am writing to complain and request your investigation and intervention concerning Bank of Hawaii 's ( BOH ) use and enforcement of a Mortgage/Deed form which violates federal and State of Hawaii law,  particularly under the " unfair and deceptive '' trade practice laws. My case is currently on appeal before the Hawaii Intermediate Court of Appeal in CAAP No. XXXX. 
Currently, I have a motion asking the circuit court to declare the Mortgage terms to be illegal, unconscionable, and the Mortgage void. ( ( A hearing is scheduled for tomorrow morning, but maybe continued because of the COVID 19 pandemic. ) I am also seeking a preliminary injunction to enjoin the continued enforcement of the BOH Mortgage terms and provisions. I am forwarding with this complaint a copy of my opening brief which addresses, in part, the legitimacy of the Mortgage and different versions of the Mortgage. 

Although the overarching theme of my case concerns the validity of the Mortgage form document and the efforts of BOH and its agents to conceal it from public and judicial scrutiny, there also exists credible evidence of fraud by BOH employees and/or its counsels. Earlier this year, I wrote to the Federal Bureau of Investigation concerning my case, but have yet to be contacted by any FBI officials. 

Because this Mortgage form has the potential of affecting hundreds if not thousands of Hawaii residents, I felt it incumbent that federal officials also be alerted and advised. I can be contacted via the above-referenced telephone number and email. Thanking you in advance for your prompt consideration of my request, I am, Very truly yours, cc : File

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: IQOR US INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Currently loans are in court defense to discharge

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 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXXXXXX {$3100.00} XXXX   XXXX {$450.00} XXXX XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: MI
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 contacted XXXX, Equifax and XXXX  online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Comerica
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
OK hello my name is XXXX  and I got my ID that you guys required for me to get my card activated I keep trying to call nobodys answering the phone I cant I keep I tried to go online and do it and I cant get it that way I dont know what to do Can somebody please help me resolve this. Card XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: BMW Financial Services NA, LLC
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: Problem with personal statement of dispute

Complaint:
BMW financial services inaccurately reported a history of payments on my auto loan. I have asked them to investigate and send me a copy of their investigation. They haven't responded within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
The EIP Card issued by Money Network Cardholders Services website does not direct me to " How I can transfer money on the card to my credit union? ". 
The cfpb website doesn't have any information through any of its links to the EIP Card. The one source to help me from a cfpb website for transferring money to a personal account leads me to a NOT FOUND page.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
TRANSWORLD SYSTEM INC placed a collection on my XXXX report illegally. The company has never contacted me or sent me a 30 day dispute letter. Furthermore I have never had any accounts with Transworld or the creditor XXXX XXXX that they have listed. This account does not belong to me and should not be on my credit report.

Company response to consumer: Closed with explanation