BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX, XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.

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 2018-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Multiple times, I have written to Experian to delete accounts that I am no longer an authorized user on. As of today, I got another alert back from Experian saying that the account remains. Yet, in their system, these accounts are coded as " Authorized User '' " Terminated ''. These accounts are not my responsibility and, furthermore I am not listed on these accounts anymore. The companies tell me that since I am/was not the account owner they can not talk to 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 2021-03-05
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
1st missed call from the company on XXXX XXXX 2021 @ XXXX 2nd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call I acknowledged I was behind for the month and would make a payment in a week once I received a refund check. 

3rd missed call from the company on XX/XX/2021 @ XXXX I called the company on XX/XX/2021 @ XXXX - During this call, I explained that I was unable to make the payment as the check did not arrive yet ; stating possibly another week. 

4th missed call from the company on XX/XX/2021 @ XXXX **At this time, the company began contacting my references** I received a call from my father ( first person listed on my references ) on XX/XX/2021 @ XXXX - My father called me in a panic wondering what was the matter as he received a call from a lady inquiring about me. This led to a series of events that forced me to explain my personal situation causing undue stress and anxiety. 

**At this time, I stopped speaking with the company** There was absolutely no reason to begin contacting references at this point in time. 

The company called me on the following dates : XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX XX/XX/2021 @ XXXX The company has called every one of my references multiple times without their individual express permission to do so. In fact, they have called all my references more than they have actually attempted to call me. On one occasion, the company disclosed to one of my references that they are in fact a finance company attempting to reach me and that the individual was listed as a reference for 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 2018-12-31
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Twice, again, in one day. A phone call at XXXX XXXX CST and again at XXXX XXXX Just calls, does not leave a message. This happens at least twice a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My checking acct is in a negative balance due to over draft fees, returned items fees and sustained fees since XXXX XXXX. Citizens bank is not happy with me for the fact that during covid they were charging their customers fees when they were not supposed to. They did give me back overdraft fees after they went against their policies. I returned to work last week after being out from covid then recently being diagnosed with XXXX XXXX and was going through treatment. I am asking that citizens bank please refunds me my fees as I can not afford to pay them XXXX $ back. And there is a pattern with them they charge a returned item fee, over draft fee same day for multiple payments. I feel I am being discriminated against due to me having fees returned when they were not allowed to take fees from their customers. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: SYNCHRONY FINANCIAL
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 obtained from Synchrony Bank the Banana Republic Credit Card on approximately XX/XX/2019. I have been using my account and have already made payments on my account. On Wednesday XX/XX/19 my account was abruptly closed by Synchorny Bank. I contacted the bank and the representatives are unable to provide me any explanation. I spoke with Account Manager XXXX with reference # XXXX. She stated that I must wait 10-14 days to find out why my account was closed with a letter in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Sound Collection Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Re : Personal Business Matter XXXX XXXX XXXX XXXX Fri XX/XX/2019 XXXX XXXX  Claims, Disputes, Receipts To : Customer Service ( XXXX ) ; To help protect your privacy, some content in this message has been blocked. To re-enable the blocked features, click here. 
To always show content from this sender, click here. 
Per my attorney, and the the FTC.gov, put your complaint in a letter and mail it. I will not be downloading any PDF files, nor uploading any of my personal info. Stop emailing my business, or you will be blocked. Have a good one. 
From : Customer Service XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX Subject : Personal Business Matter Your eDocument is best viewed using the latest version of the Adobe Reader - get it here XXXX Welcome to eNotice - Please review this email carefully. This email has been automatically generated. 
Use the link in the contact us section to send an email response. 
XXXX Authenticate Your Details : XXXX XXXX XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your permission to communicate with you via email at the following address : XXXX To open your secure enotice document : 1. Open the PDF attachment. 
2. Please type the last 4 digits of your Social Security # to open the secure enotice pdf. 

We are committed to customer satisfaction. If you have any questions, please reply to this email or call Customer Service at XXXX. 

Sincerely, Customer Service XXXX Your eDocument is Secure This eDocument is encrypted for your protection. To view the document Please type the last 4 digits of your Social Security # in the Password field of the PDF. 

XXXX Get Adobe Reader You'll need the Adobe Reader to view your secure eDocument. Get it now. 
You may contact us at : Customer Service Department XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX Email : XXXX Unsubscribe Instructions If you do not wish to receive these emails please unsubscribe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Filed a dispute with transunion to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was not in delinquency ). XXXX  provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

Per the letter issued by XXXX  in support of my claim, the account was in forbearance. And Transunion in violation of the fair credit reporting act did not update account nor conduct fair and detailed investigation into my claim and evidence submitted. 

I provided XXXX. with evidence ( a letter issued by XXXX  ) showing dates currently being reported by XXXX as inaccurate. Account was not late, account was in forbearance as listed by XXXX ( the originator of the information ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Experian Information Solutions Inc.
State: NY
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 am contacting your company because XXXX XXXX and Experian Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  OpenedXX/XX/2015 +  {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and Experian about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.

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 2018-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 am contacting your company because XXXX XXXX and XXXX Credit bureaus are adding fraudulent information to my credit report I have had an ongoing problem with these two companies I made them aware that there were things on my credit report specifically that are fraud and that I want removed at once off my credit reports. The fraudulent Delinquent accounts are as follows {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX   Portfolio Recovery Opened XX/XX/2015 + {$290.00} Original creditor : XXXX XXXX XXXX XXXX XXXX these are FRAUD AND DO NOT BELONG TO ME AND I WANT THEM REMOVED ASAP BECAUSE THEY DO NOT BELONG TO ME. I have contacted Both XXXX XXXX and XXXX  about this and nothing has been done yet. I have sent in my police reports and everything this company is fraudulently reporting inaccurate information on my credit reports and I want it removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Big Picture Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company wants payments on payday. I gave them my paydates - every other Thursday. For the entire period of the loan they have taken the payment on payday - thursday. Today they took it early causing my bank account to be overdrawn. I tried to contact them and wort it out. They refused and refused to give me contact information for other departments. They never disclosed that they were tribal owned and that my litigation rights would be impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On multiple days I received calls from Navient I was late on my payment due XX/XX/2019. According to my back statement Navient electronically cashed my check # XXXX for {$150.00} on XX/XX/2019. A call to customer service resulted in no assistance and a strong arm approach to make a new payment until the issue could be rectified. According to the rep the check was sent to the wrong address and not applied to my account, he further told me I had received a refund for the amount. Neither statement was true, my loan was paid 15 days early and not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper refuses to acknowledge my request for short paying my property taxes to help keep my monthly payments low so I do not struggle financially each month. I explicitly requested that they short pay the initial installment on XX/XX/2018 and they did not follow my instructions and instead paid the full amount. When I attempted to write to them to advise of this, they did not want to write back a resolution. I will not trust this company verbally to resolve and want everything in writing from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Linebarger Goggan Blair & Sampson LLP
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I received a collection notice from Linebarger Goggan Blair & Sampson in the amount of {$92.00} for XXXX XXXX XXXX State toll collection charges. I immediately called to dispute the charges, and let them know that my XXXX account was closed in XXXX when I moved out of state to XXXX state. I let them know that I physically had not been or driven any vehicle in the eastern seaboard in a decade, and this was not my charge. I asked them to verify or remove the charge and they refused. I subsequent received a second collection notice and called them again on XX/XX/XXXX. I once again called them to say that it was not my charge. They again refused to verify the debt or remove it. They gave me the information that the toll was incurred by an XXXX car with XXXX license plates in XX/XX/XXXX. I let them know that I never owned nor drove an XXXX car, nor have I ever owned a car registered in XXXX XXXX. Additionally, I was not in or near XXXX XXXX state in XXXX. My vehicle is not an XXXX, has XXXX state plates and has never been in or near the east coast. They continued to still refuse to work with me, and refused to verify the debt. I believe that this is predatory collection practices as it's clear that this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts have been placed into collections and I do not notice them. I have disputed them with the collection agencies and the desire Bureus. They have not removed them. THESE ACCOUNTS DO NOT BELONG TO ME. 
XXXX/Convergent outsourcing- opened on or around XXXX. 
Account # XXXX XXXX XXXX XXXX- opened on or around XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX : Opened on or around 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
Consumer complaint received 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On or about XX/XX/2019 I was told about a grammarly correction feature online for a monthly fee of aproxamately {$11.00}. I choose to use the feature for one month. Not aware I would be charged for a full year upfront. XXXX  system is not set up with a stop gap to give a customer a deliberate choice to opt out. ( in other words their system does not show what charges you are paying for ) The following day XX/XX/2019 I notice my account with Bank America was overdrawn. In looking at the problem I identified XXXX  had charged me {$130.00}. I immediately notified Bank I was instructed to call on Monday XXXX XXXX I called and received a credit of XXXX.. and XXXX  was credited for 1 month {$11.00}. 
I then received a letter from the bank dated XX/XX/2019 stating XXXX   had rebutted. The bank is telling me to resolve the issue with XXXX   who has not returned my calls with no avail. I have reported the issue to the Federal Trade commission reference number XXXX and was asked by the trade commission to file a complaint against the bank with cfpb.Thank you for the resolution to 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 2018-01-25
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On X/X/18 I requested a reinstatement letter to start the process of withdrawing monies from my retirement account on a 'hardship basis ' to repay Fay Servicing the past due amount. I have had several phone conversations with my account manger who promised to send the same and that " Fay Servicing is most interested in helping me stay in my home and remedying this temporary situation ''. After 6 attempts and promises via the phone I still have not received the information.

This is especially troubling as I have learned that Fay Servicing also has a real estate division that looks to sell homes they have acquired which are worth more than their mortgage value. 

My situation is temporary. I have funds available to cure the past due amount. They know this, and are delaying and threatening foreclosure in extreme bad faith by not providing a reinstatement letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 don't know why TransUnion reinserted blocked information back to my credit report. I am a victim of identity theft, and I state that the XXXX XXXX XXXX account ( account no : XXXX ) is a fraudulent account. Please help me to resolve this problem with the TransUnion credit reporting agency and the credit card company. TransUnion needs to delete the XXXX XXXX XXXX fraudulent account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX $ XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I read online that Navy Federal Credit Union had a fine imposed due to their debt collection tactics. I experienced this issue with the credit union due to initiating a short sell in XXXX. My accounts were frozen without receiving notification and then when calling the credit union to find out what was the issue not receiving immediate answers. I also received several calls and letters from the organization despite having contracted with a lawyer that informed the credit union they were to contact my lawyer and not me. The short sell was finalized in XXXX. 

Since learning of the fines imposed I have called the credit union on at least 3 occasions to discuss what type of compensation I would be receiving as I was a victim of the unethical debt collection tactics. No one knows what I am talking about at the credit union and none of my accounts have a received a credit due to imposed fines. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX 2018 XXXX XXXX XXXX
I did not authorize any hard inquiry with this company.
This is fraud.

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