BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.

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 2022-01-07
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: Account status incorrect

Complaint:
Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.

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 2017-12-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I borrowed this money from XXXX to XXXX to attend the University XXXX XXXX, along with several other loans as part of a loan package. Apparently, I also borrowed money from this lender from XXXX through XXXX while attending XXXX XXXX University. It was my belief this loan money was all through XXXX XXXX and a federally-backed funding program. Upon graduating from XXXX XXXX in XXXX, XXXX, I started pursuing consolidation options. I consolidated the majority of my loans and now pay those loans through XXXX, which has been a very reasonable lending group. 

However, there is one " bundle '' of loans labeled the XXXX XXXX XXXX XXXX that was not eligible for the consolidation, as it was a Private XXXX XXXX loan. This loan now totals {$45000.00} as the total amount owed. At some point, Navient became the servicer of this loan. I started paying Navient regularly in XXXX, XXXX, which is when I obtained full-time employment after XXXX XXXX Upon moving to XXXX XXXX in XXXX, XXXX ( my husband was in the XXXX at the time and assigned a duty station in XXXX XXXX ), I began trying to negotiate with Navient for a lower payment plan, as I did not have a job in XXXX XXXX. Navient 's customer service reps were hostile, rude, and offered no solutions. One rep  went so far as to suggest that I borrow money from my parents. 

After multiple discussions around trying to see how to arrange a payment plan to no avail, I stopped paying Navient as I had no income coming in. Navient reps started calling me 8-10 times a day, including at XXXX XXXX and all through the weekend. I told them to stop contacting me excessively. This was interpreted as a " Cease Contact '' request and I have not received ANY correspondence from them since that request. No emails ( other than required tax forms ) and no letters. 

On this date, XXXX XXXX, XXXX, I have {$11000.00} past due and have a negative report on my credit, as Navient as filed this as a " Collection/Charge Off '' on my credit report. The experience of trying to work with them and bring some order to my student debt has been exhausting. As it stands, my credit is destroyed and I have no idea how to approach this group to enter into a reasonable plan. Additionally, interest accrues at an exorbitant rate, so I will likely live with this debt until the day I die. I have several other lenders I work with ( XXXX, NJ XXXX, XXXX, and XXXX XXXX XXXX ) and while I take issue with some of those lenders as well, they have all been amenable to working with me on a reasonable payment plan. Navient remains the sole outlier. 

I have no idea how Navient became the servicer of a XXXX XXXX loan but their practices have been unethical, to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Someone has used my information trying to apply for credit I have notified transunion they have not removed the false information. 
XXXX. XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 2017-12-07
Company: REGIONS FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.

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 2020-01-23
Company: Early Warning Services, LLC
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was emailed on XX/XX/XXXX by a ( XXXX ) who claimed to be interested in buying a painting from me ( I am a painter ). I told her the price ( {$1100.00} ) but she sent me an overpayment of ( {$4100.00} ) in the form of a check with the excess {$3000.00} to pay her 'shipper. ' I deposited the check, which cleared after one business day. I then paid her 'shipper ' the ( {$3000.00} ) using Zelle XXXX After paying her shipper, the check which has already cleared was then withdrawn from my account ( XX/XX/XXXX ). I lost all of my money by this scammer. A total of a {$3000.00} loss. 

XXXX can not refund the Zelle transactions as I authorized them myself. 

Zelle can not assist me because I use their service through the chase mobile app. 
XXXX does not insure the deposited check because it was a credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Around the end of XXXX ( XXXX ) I received a call from Citi Card collections. ( Ive been an excellent customer and have NEVER missed a payment ) - so imagine my surprise when they called. 
XX/XX/XXXX Id called Citi and let them know that I was getting divorced and needed my card shut down to ensure that my ex ( or anyone for that matter ) wouldnt be able to pass any charges through and that I also was going to pay the balance off in full which I did on that same days. 

Citi sent me a new card and I never activated it or anything. In effect, I ensured the balance was {$0.00} and never touched the new card theyd sent. 

The collector was able to transfer me to the fraud department where they assured me theyd open an investigation after they asked me about a few charges and I confirmed they were indeed fraudulent. 

Well, several days later ( XX/XX/XXXX or XXXX ) I received another collections call - after a very frustrating call with a fraud representative I asked to be transferred to a supervisor who had a much better grasp of the situation- who again assured me that all charges incurred would be reversed - and AGAIN they closed the second card and issued me a NEW card number. 

Well, today, XX/XX/XXXX, I got another collections call - so again, I got transferred to fraud. Most of the charges she read to me were the original ones that Id disputed. It seems there is one charge from XXXX that came through on the XXXX - so what that wasnt included when I paid the balance on the XXXX - Citi wasnt able to answer. 

Overall, Im frustrated with the lack of resolution from Fraud, and the numerous calls that Ive had to make.

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 2021-11-17
Company: Fidelity National Financial, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer over on XX/XX/XXXX to Chicago title  to purchase a house. XXXX XXXX the real estate agent and she works for XXXX XXXX. XX/XX/XXXX ( day before ) I ( Me ) purchase a cashier 's check & XX/XX/XXXX XXXX said the title company was in XXXX. Everywhere in XXXX aren't they the same company. Yes but Chicago title XXXX is different. XXXX would have to mail it like she did the {$10000.00} down payment I gave her in a cashier 's check for the deposit. If I would have been given more notice I could have hand delivered it myself to XXXX by just taking a 30-minute flight. From XXXX XXXX XXXX round trip XXXX XXXX. Cashier 's check was for {$410000.00} I can't afford to lose that so I went back to my bank ( XXXX XXXX ) deposited the money and then wire transferred the money directly to Chicago title for {$410000.00} in the midst of all this confusion I was at the bank. I met up with XXXX at house XXXX XXXX XXXX ( I found out later onshe 's not a broker she lied. ) I've been swindled out of everything.To make a long short the house was sold on XX/XX/XXXX of XXXX for {$350000.00}. I called the police I try to reach out I don't know what else I could have done XXXX has financially drained my bank account I don't even have the finances to provide for my family with on top of it moving I've tried to question I've tried calling XXXX XXXX but the house in someone's name XXXX XXXX XXXX XXXX. I filed a police report XXXX with XXXX XXXX ( wire fraud ) XXXX XXXX won't let me dispute a charge. Or let me have access to that account. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: CA
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:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 XXXX XXXX took out {$290.00} of my account with out my permission, I notified Chase on XX/XX/2019 when I noticed the transaction to dispute the charge and refund my money. 

Chase had me file a claim on the phone and go into the local branch to file another after telling me they denied the claim because I had done business in the past with this company. I informed them having done business in the past does not give anyone the right to take out of my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - 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 2020-11-04
Company: AMERIFIRST FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Approved for a loan by Amerifirst loan officer XXXX XXXX. His company is unprofessional, disorganized, and cost me time and money. 


There was a credit issue that was seen in the initial credit check which was ignored and inevitably cost me the loan financing! 

Due to XXXX incompetence, I also lost my earnest deposit as it was XXXX who said we were good to go removing loan contingencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from +XXXX ( XXXX XXXX XXXX ( extension XXXX provided in voicemail ) who claim to be Northstar Location Services & collecting debt. Per complaints online, this number asks for a name that does not belong to the called number & does not remove number from directory. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following inquires are on my three credit reports and I did n't authorize them to pull my credit. Please remove them as soon as possible. 

XXXX XXXX requested your credit report on XXXX XXXX, XXXX. 
XXXX XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX. 
XXXX XXXX Credit Card was opened on XXXX XXXX, XXXX .New Inquiry - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Compass Recovery Group, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My ex girlfriend and her family have been constantly getting calls and voicemails from this debt collector. On XX/XX/XXXX he used my ex girlfriend information through social media and called her mother who lives in another state and told her about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Transfinancial Companies, 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:
Discover that aTRANSFINACIAL COMPANY had a collection on my credit report in XXXX. On XX/XX/2021 I sent Transfinancial a letter for validation of debit by certified mail. They responded not complying with the letter. Also, Transfinancial does not have a debt collection license to collect debts in OUR STATE! I reaffirmed this bye sending one more Debt validation letter on XX/XX/2021 by certified mail asking for the license number and agency Issuing the license and so forth. No Response. So I looked it up myself, and they have no license to collect debts in FLORIDA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in XXXX, but my credit report is stating that the open date is XX/XX/XXXX which means that y'all are n't even sure when this debt occurred. I ask that this debt be properly investigated or REMOVED from my credit report. I have never even been a resident at this place. I have lived in Louisiana since the day I was born. This company claims that I never sent them proof of my residence for XXXX, but I was never asked to provide any proof of residence. This company is doing all that they can to accuse me of this debt. If this matter is handled properly, then I will be filing a complaint with the Federal Trade Commission. This debt is not mine and should n't be on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
I called creditor ( Syncb/JC Penneys ) to pay amount past due and they said they can no longer collect any money from me as this account is too old and they have already written it off. I have tried repeatedly to get the creditor to mail a 1099 so that I can submit along with this complaint with no success. This account still shows a balance and a past due balance of {$1100.00} and hits my credit report every month as a charge-off. I disputed this with XXXX, XXXX  and XXXX  with no success. 
Please help, Sincerely, 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 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CRA DID NOT DISCLOSE THEIR METHOD OF VERIFICATION. DID NOT PROVIDE ME A COPY OF MY WET ORIGINAL SIGNATURE OF THE CONTRACT THEY SHOULD HAVE ON FILE TO CONFIRM THE ACCURACY OF THERE REPORT. THEY WILLFULLY REPORTED NEGATIVE HARMFUL WRONG INFORMATION ON MY REPORT WHICH HAS CAUSED ME NOT TO GET THE LOANS FOR HOUSING IM SEEKING FOR BEING XXXX XXXX   XXXX VETERAN.

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