BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed on multiple occasions with the credit bureaus about the inaccuracy of this accounts, XXXX, requesting verification that this account belongs to me, and provide the original application, and/ contract with my signature. However, every time I initiate an investigation with the CRA 's they report back as " account verified and belongs to me. '' The CRA 's are reporting this account as a charge off with a monthly payment? How is it possible for a charge of to report with a monthly payment? Obviously, the CRA 's are not reporting an accurate, complete 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 2018-05-15
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech.com misapplied a payment of mine months ago ( XXXX ) and has failed to fix it. I have called them multiple times, and they have continued to promise that they are " researching the problem ''. However, they continue to send me collection notices and threatening letters, even though they have admitted that they see where the misapplied payment occurred. 

This has gone on for more than 60 days, and I have been unable to get anything more out of them than " we've escalated it to the VP of our department ''. 

Meanwhile, they are sending me letters that sound more and more like they are trying to take legal action against me, even though this is not my error. 

I'm concerned now that they are reporting this to my credit, but they are " unable to confirm '' that as well.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: DISCOVER BANK
State: FL
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:
I made a XXXX payment to pay off my discover card and Discover has locked the card for 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I rarely ever check my credit report, but I recently checked it and was appalled because I have 2 fraudulent accounts that were not authorized or opened by me.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the CRAs and my legal team and was advised to fill out an FTC Identity Theft report which I have attached down below. I also have multiple addresses that I am not associated with as well.

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 2018-12-13
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:
I was denied a card with XXXX XXXX 's. In the denial letter it deferred to " information used in report '' furnished by TU Consumer Relations. I am asking for the report and what was furnished to XXXX to deny me credit.

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 2020-07-02
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
PayPal Credit opened an account in my name on XX/XX/2020 with an initial charge of {$1500.00} -- but I knew nothing about it until I pulled my credit report on XX/XX/2020. The company 's customer service wasn't open until the morning of XX/XX/2020 when I contacted them to report fraud. They opened a case but they weren't very helpful ; they only said they have 60 days to respond to the claim. They did tell me it was opened with an address that was mine 6 years ago, using a telephone number that I've had for many, many years. All that was needed to open the account was name, address, telephone, an email address and the last four digits of my ssn. 

I only happened to pull my credit report that day because I was applying to refinance my mortgage at a rate of 2.375 % - a substantial savings over my current rate. I can't qualify for the refinance until this bogus account is off my credit report, and I'm afraid PayPal Credit isn't going to give me any timely satisfaction. 

Can you help get this corrected soon?

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 2018-06-24
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Attached is additional evidence showing how SallieMae and Navient systematically and illegally failed me at every stage of repayment of this loan. In XX/XX/XXXX, SallieMae refused to process a deferment, eventhough MUL was title IV eligible. On XX/XX/XXXX, Navient contradicted SallieMae. See attachment. In XX/XX/XXXX, I had to pay SallieMae {$50.00} to process a forbearance because my deferment request was rejected by SallieMae. MUL was Title IV eligible. No wonder how this loan increased from {$40000.00} to nearly {$80000.00} and interest rate is at the maximum. Now my CFPB complaint must have upset Navient and SallieMae. On XX/XX/XXXX, I paid the forbearance fee. Navient still did not approve my request to delay the repayments. 

Navient responded on XX/XX/XXXX, as followed : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Private XXXX XXXX Student Loan. We would like to note that as a Private Student Loan company, FSA does not have jurisdiction over the processing of an In-School Deferment on your loan. Your school, The XXXXXXXX XXXX XXXX XXXXXXXX, became Title IV ineligible on XX/XX/XXXX. A requirement for the processing of the In-School Deferment on private loans is that the school the student is attending must maintain Title IV eligibility. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
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:
I noticed a few collections and hard inquiries on my credit report I do not recognize

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 2021-04-24
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Experian account was showing that I had a delinquent account for a XXXX line of credit. I have never had a XXXX line of credit so I sent an email to XXXX to dispute this account on XX/XX/2020. After much work and follow through that delinquent XXXX account was marked by XXXX  as fraud. 

While this was going on Midland Credit Management was attempting to collect on the fraudulent account. 

A telephone conversation was had with a Midland Credit Management employee conveying to them that the XXXX account was a fraud. They closed out the collection account. 

Sometime later an employee at Midland Credit Management re-opened the fraudulent account and began the collections process again. After receiving collection notices from the company in the mail I called at spoke to XXXX XXXX. It was determined yet again that this XXXX line of credit was fraudulent. 

Checking my credit report today I see that my credit report shows my account is in collection status due to this fraudulent account. 

Midland Credit Management attempted to collect {$850.00} from me derived from a bogus account. The account was declared fraudulent and Midland Credit Management, after closing their account on the matter, re-opened the account and again began attempting to collect {$850.00} from me. In doing so they have damaged my credit. 

The fraudulent account is identified as Account name : XXXX/XXXX  account # XXXX ... 

The account with Midland Credit Management is identified as Original Creditor : XXXX XXXX  Current Owner : Midland Credit Mangement, Inc Original Account Number : XXXX MCM  Account Number : XXXX Current Balance : & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
The extension of this loan given through the use of the Federal Family Education Loan Program constitutes an extension of credit under federal law. Federal law defines a loan and extension of credit as all direct or indirect advances of funds to a person made on the basis of any obligation of that person to repay the funds. According to the Fair Debt Practices Act, 15 USC 1692a., there is no definition for the term loan.Also, banks can not lend money, nor extend credit. A national bank has no power to lend its credit to any person or corporation Bowen v. Needles Nat.Bank,94 F 925,36 CCA 553, certiorari denied in 20, Ct 1024,176 US 682,44 LED 637. The law is not based on belief it is based on facts and what can be proved. I am granting you one last opportunity to cure this matter. Remove this debt from my consumer reports as this is damaging my reputation and causing me financial injury, and apologize for violating me.

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 2018-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer 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 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been trying to have collections from my credit report. I am a victim of fraud and is hindering me to move forward in purchasing a home. 
XXXX XXXX  XXXX XXXX {$290.00} Last reported XX/XX/2018 XXXX   XXXX XXXX {$470.00} Last reported XX/XX/2018 XXXX  XXXX XXXX {$800.00} XXXX XXXX XXXX {$290.00} I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved. 
I have sent letters to dispute issue and also disputed online for each creditor. 
There is someone with the same name is me living in Georgia. I am not sure if she is using my social security number but I had to put fraud alerts on my credit and also security freezes. I just need this issue resolved.

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 2018-06-24
Company: PNC Bank N.A.
State: IA
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:
Pnc Bank has an account listed on my credit report with all three bureaus that is not mine. The account number is XXXX. I have disputed this since XX/XX/2017with a total of 8 letters to the credit agencies and two letters to Pnc Bank. I have also had several phone calls with XXXX XXXX at Pnc Bank in regards to the issue. This account is NOT MINE! This account also has many innacuracies reporting such as my address, name spelling, not charging account off at 180 days as per the law states and date reported to fall off so how has this been verified as MINE? XXXX at Pnc has not and can not provide the original signed contract with my signature on it so how has this been verified? I have also just received yet again all three agencies disputes that came back verified with Pnc Bank but XXXX was not done investigating this. How has this been verified yet again and was claimed to be clarified before but Pnc Bank doent have that record? Pnc Bank again has also not charged this person 's account off at the 180 days per law. They do not know the date of first delinquency nor do the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Other fee

Complaint:
I have an Citi Dividend card. expired on XXXX. XXXX 2015. Last year i used this card to subscribe an subscription for a year. The subscription service was supposed to terminate in XXXX 2015. Anyway they charged the subscription fee last year. But subscription service provider automatically renew my subscription and tried to charge {$250.00} from my card again. I did n't know it because i was out XXXX at that time. Also At that time the card already expired. they issued me a new card with the same number. I never activate the new card. The credit card still let the charge go through. I did n't know there was balance on my card and never received any notice from the credit company. One month later when I came back, I miss the payment deadline 5 days. I had been charged {$250.00} plus {$25.00} late fee and {$4.00} interest for it. I immediately paid it to avoid more interest. the statement shows XXXX balance. Next month I used the credit card a couple of times, and I paid the balance on time. When I checked the statement online, I found they charged me a big piece of interest again. And the interest is not only from the {$250.00} but also from the balance i used after my previous payment although i paid in full on time that month. That is ridiculous and not honest. The total interest and late fee charge is about {$83.00}. Also I called the subscription service provider they canceled the service for me and issued refund for me. But the credit company hurt me a lot. Let the charge go through even I did not activate the card. And they tried hard to charge interest and late fee on it even the original charge was not placed by myself. I would want all my interest and late fee back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Navient Solutions, 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: Account information incorrect

Complaint:
Back in XX/XX/2017, Navient stated that I was three [ 3 ] months behind. This is incorrect as my account was in deferment. I made several inquires and can never get through. I am in the process of possible employment, which they look at a persons credit for gainful employment. I need this negative remark removed as it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was nearly XXXX in a XXXX XXXX XX/XX/2018. During recovery in the hospital I failed to in sure the funds in my bank of America account were sufficient. While all my deposits went to my XXXX XXXX checking account, all of my withdrawals came out of my Bank of America checking account. Bank of America charge nearly {$500.00} in overdraft fees, and agreed to waive {$140.00} of those fees due to my incident accident. At that time I transferred {$1500.00} to cover all late payments and fees. Bank of America immediately with Drew the farthest from my XXXX XXXX checking account, But they held nearly the entire transfer ( pending ) for seven full days leaving me no access to the funds whatsoever causing exponentially higher fees from every single credit card I have on a daily basis as they re-tried/allowed retrial withdrawal and reversal the payment over and over charging {$35.00} overdraft fees to my checking account each time as well as a {$25.00} return payment fee to the credit card requesting the withdrawal. This math equals : {$35.00} + {$25.00} x 6 credit cards x 6 withdrawal attempts each within 1 week. This occurred after spending 4 hours on the phone with multiple levels of Bank of America supervisors is trying to solve the issue. My former complaint was over around {$260.00}. I know Im complaining over nearly {$1000.00} in overdraft fees charged after Bank of America America knew the full details of the severity of my near XXXX XXXX and the lenght, XXXX, and medical cost of that rehabilitation. A representative from Bank of America left me a voicemail on my cell phone around XXXX XXXX, and asked me to call him back at a extension number which I now realize was fake. Their social media department also sent me two separate links asking me to provide personal information, these links were both also fake. I assume this is an attempt by Bank of America to create fake evidence that they have attempted to resolve this with me. They have done absolutely nothing of the sort. I have spent nearly 72 talking hours on the phone with every financial institution Im connected to trying to solve this issue, which I have the funds to solve, but Bank of America has completely lost their mind with their automated theft machine that governs their customers checking accounts.

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 2020-07-31
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF EDXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : 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 explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Requested basic information from XXXX XXXX XXXX Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. XXXX XXXX ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. XXXX  XXXX parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of Transunion. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx 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 2020-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

Creditor : XXXX XXXX AUTO FINANCE- Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX/XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX XXXX : XXXX/XXXX- Account : 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