BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am in a program that is helping Me get out of Debt and all but 1 Company keeps Calling Me Everyday 2-3 times a Day and is Calling My Employer I have told them I am getting things taken care of and They Continue to call everyday even when I'm already in Bed My Phone rings I am a XXXX  for My Employer and I get Phone Calls while I'm XXXX The Company Ithat is Helping Me told Me not to answer their calls My Wife Spoke to the person in the office of the Consumer and asked Her not to call She said She would Continue to Call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2022-09-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
No online access to my accounts at Randolph Brooks Federal Credit Union. 
They have a message on their website ( attachment ) ; I called the number and extension that they provided for online issues and no one will answer. 

No one can help : The state of Texas said it is a Federal Credit Union and they can not help National CUA said they can not help because the credit unions size is over XXXX XXXX. 

CFPB could not offer me any assurances over the phone except they would contact the National CUA ; so this is a failed loop. 

Please can someone take responsibility?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
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:
ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contact this collection agency several times several times Ive never owned any account. I am a victim of identity theft, which I provided copies of the police report, and he agreed after talking to management that these collections would be removed and deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: MA
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:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX Inquiries : XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2018-02-06
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Ditech on XX/XX/XXXX to verify that payment for XX/XX/XXXX and XX/XX/XXXX due to the fact that Ditech had reported negatively on my credit. After checking with XXXX XXXX and confirming payments for my mortgage had been sent to Ditech for XX/XX/XXXXand XX/XX/XXXX, I realized they were getting the payments and not recording them. Then they reported on me negatively to the credit bureau. I have since learned this is not the first time Ditech has done this and in at least one case it resulted in a house being put for sale even though XXXX had been making payments. Please help me to resolve this problem with Ditech. 

XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , S.C. XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have a " Virtual Wallet '' account with PNC that I've had for nearly a decade without incident. When reviewing my account this ( XX/XX/XXXX ), I notice a {$15.00} fee from PNC in XX/XX/XXXX and XX/XX/XXXX and call to see what it's all about. 

The customer service representative tells me I must not be meeting the requirements of the account ( for the first time in 7+ years mind you ). I tell them that I'll need to look into that, but it seems off to me since this has never happened before and that I wasn't notified to any changes to my account that would suddenly make me ineligible. I request a refund for the fees since I'm a long time, loyal customer and wasn't proactively notified that I was ineligible and would be facing charges. The customer rep tell me only one fee can be waived. I insistent that both be waived or that I speak with a supervisor to discuss the eligibility requirements further.

When I finally speak with a supervisor they discover that I DO in fact meet the requirements. So essentially, PNC was going to steal {$15.00} a month from my account because " I didn't meet account requirements '' that I DID in fact meet. And I had to proactively suss all of this by going through a 1 hr phone call and demanding to speak to a senior representative. How many others are being ripped off by this scam right now? PNC needs to make sure they are proactively communicating if customers aren't meeting standards and not just sneakily issuing fees that can get buried. Shame on them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14
Company: SANTANDER HOLDINGS USA, INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i had a backrupcy that was final earlier this year and kept my car. i am making all payments, always have on time. My account has been taken off my credit report and showing nothing at all now, and this is not fair since i have been making all my payments on time and trying to rebuild my credit. I have reafirmed my loan with the court for my loan, and have talked with santander and they wont report my loan payments. this is not fair to me as ia m trying to rebuild my self and get back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Block, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Order # XXXX FedEx # XXXX I placed an order on the XXXX  website XX/XX/XXXX. The expected delivery after shipment was XX/XX/XXXX. I placed the order using Afterpay who paid XXXX  in full then charges me weekly installments. As of XX/XX/XXXX the package was, and remains, in XXXX. XXXX doesnt know where it is. Afterpay is still charging me. I stopped the payments which affect my future purchase power. Afterpay stated XXXX  needs to refund and inform. I called XXXX  XXXX, XXXX, XXXX and XX/XX/XXXX and was told the refund was sent I called XX/XX/XXXX and was told by XXXX  they cant do anything. This is messing up my " purchase power '' with AfterPay and messing with my credit because I am not paying for what I did not receive and altho both afterpay and XXXX know I do not have it, they keep trying to take payments from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-06-15
Company: EQUIFAX, INC.
State: LA
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 been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX   2017  and continues now  XXXX   2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Northstar Location Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Despite having paid XXXX, my credit still indicates that I owe them {$780.00}. I also paid the {$1900.00} I owed XXXX XXXX XXXX on the " XXXX XXXX  '' account. First, they sent XXXX a check for {$1900.00}, which they later returned to me. They took this salary from my account after two weeks. 
They issued me a {$700.00} cheque after I utilized the account, which I cashed. They mailed me {$300.00} after I used {$1200.00}, and I cashed the check. They eventually took the balance owed from my account and barred it as a result of fraud. The card was never again used. They continue to insist that I owe them an additional {$1900.00} despite the fact that we previously reached a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage has almost doubled the amount being pulled out of escrow. They purchased this loan from a previous mortgage company ( which I was unaware of and had to do some investigating to figure out why payment was not going through for initial mortgage company ). Taxes increased from {$4800.00} to {$5200.00} and mortgage was adjusted accordingly $ XXXX to cover a " shortage spread '' to cover the increase. Couple months following they sent a letter increasing an additional {$450.00} per month on top of the {$51.00} " shortage spread ''. Taxes are $ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX is $ XXXX. Total of {$8400.00} annual needed. They increased the escrow amount to $ XXXX for a total of $ XXXX. I can not afford to pay twice the amount in taxes, insurance, and pmi and even though they did acknowledge the amount of {$8400.00} was correct for payments on their end, they are refusing to pull less than {$14000.00} on my end. I have never missed a loan payment. I've seen the same story online with this company. Hoping there is a way to resolve this without being forced to refinance into a honest mortgage company with rates much higher in current market.

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 2022-09-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing on XX/XX/2022 & XX/XX/2022 I received written notification that my account from XXXX was being collected by XXXX XXXX XXXX, XXXX XXXX on the behalf LVNV Funding LLC for the amount of $ {$1300.00}. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX XXXX, XXXX XXXX XXXX LVNV Funding LLC XXXX and Resurgent Companies, has violated my privacy. All three credit bureaus are already violated my privacy by reporting LVNV Funding LLC on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
United Revenue was recently paid for the debt of {$250.00} that was originally filed by XXXX XXXXXXXX XXXX. 

United Revenue told me at the time I paid the debt that they would immediately email all three credit reporting agencies to have this information removed from my credit file. 

As of today, XXXX the collection account still shows on my credit report!!!!!!! 

Account name UNITED REVENUE CORP Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XXXX I got taken out from my prepaid card {$900.00} fraudulent. 
My money was taken out the same morning was deposited. 
Is been 40 days and I haven't received any news, I been calling bank of america and they first cancel my investigation and they re opened a couple days ago and I haven't been able to use my card since XXXX. I had money transfer to the account and I'm not able to use it. Every time I call is a different answer and they do not resolve the problem or don't give me an answer when would it be solve. I'm desperate and I need the money that was taken from my account and the money that is been transfer to my 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 2023-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
For the second time within one month, someone was able to open a banking account under my name in Bank of America. The bank has done nothing to stop people from fraudulently opening 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 explanation