BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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: Problem getting your free annual credit report

Complaint:
I have tried to get my free annual credit report from TransUnion and always have issue and the system says is no possible. For now it will be the second year in a row that I can get my credit report from them and they can explain why so I lost the chance of having it because the system says there is a problem but doesn't explain what problem and marks the report with a green mark as if I have received the report already which is not right.

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 2019-10-03
Company: Experian Information Solutions Inc.
State: MO
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:
There are three Inquiries on my Experian Credit File that I DID NOT authorize or give permissible purpose to do a Hard Inquiry on my Credit. 

XXXX XX/XX/XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/ XXXX XX/XX/2019 I have sent letter but nothing has changed in over 30 days. I do not not know how they can say something is " Verified '' when I did not sign for it or give permission to pull my Credit to any of these three sources. I have been a victim of Identity Theft in the past and I imagine this is where these Inquiries are coming from again.

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 2018-03-16
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navy Federal Credit Union is reporting 2 adverse trade lines ( 2 credit cards ) as 4 adverse trade lines and 1 closed account paid ( 1 vehicle ) as 2 closed accounts paid. As a result three Navy Federal Credit Union trade lines are reporting as six Navy Federal Credit Union trade lines. This is negatively affecting my credit score and credit worthiness. The following Navy Federal Credit Union ( vehicle ) closed account paid is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same vehicle loan is listed as two different trade lines with two different account numbers. The 30, 60, and 90 day lates are reporting twice as late payments. 
The following Navy Federal Credit Union ( credit cards ) accounts are reported as follows : XXXX XXXX XXXX Past Due : {$2200.00} Payment : Collection XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Past Due : {$2200.00} Payment : Profit & loss Balance : {$2200.00} XXXX XXXX XXXX Past Due : {$2000.00} Payment : Collection XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Past Due : {$2000.00} Payment : Profit & loss Balance : {$2000.00} The amount past due is reporting a total of {$8600.00} ( XXXX + XXXX ) two times the amount of the total past due. The total past due is {$4300.00}. 
Last active date XX/XX/XXXX is incorrect. According to the report, both accounts were closed by credit grantor in XX/XX/XXXX. My records indicate last payment made on either credit cards was XX/XX/XXXX. A negative credit reporting for both cards began in XX/XX/XXXX. No payments or activity were made after that date. 
I have attached a copy of my credit report supporting my complaint. I have blacked out information not pertaining to this complaint for my personal protection and privacy. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I started using XXXX  XXXX XXXX to help in the repair of my credit in XX/XX/2017 at the cost of {$110.00} per month due on the XXXX of each month. Since then they have sent out letters to creditors and credit reporting companies and even had several items removed from my credit report, however my credit score has not reached what I have wanted it to in the time I have wanted it to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: Paypal Holdings, Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr.Cooper has increased my mortgage payment. They have issued a force play stating my property taxes for 2019 were not pd. I have been trying to resolve this issue with several phone calls and emails since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: American Recovery Service Incorporated
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting calls now every day for about a week around XXXX to XXXX. They keep telling me there is nothing associated with my number, but keep calling.

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 2018-03-16
Company: Experian Information Solutions Inc.
State: PR
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:
I was checking my Experian credit report and I found a Hard Inquiry of XXXX XXXX on XX/XX/2018. Just called them to ask about this since I haven't submitted any credit card application and they just told me to call Experian. Called Experian and they confirmed that XXXX XXXX has my social security number and name correct but my address incorrect and that I need to call them again and explain this but they don't help me with this issue. I just need that Inquiry to be removed from my credit since I didn't submit anything to them neither ask for credit to them.

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 2017-11-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection of {$2400.00} with XXXX XXXX XXXX that had an initial collection year of XX/XX/XXXX has been added to Experian Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not  able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.

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 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY 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 explanation
Consumer complaint received 2018-03-16
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company and asked them to validate this debt and to send me the original contract from when this account was first started, they in return sent me someones bill saying the debt has been verified! Verified by who? I do not know because I am still waiting on the contract with my signature that I originally asked for. Under the fair credit reporting act I have a right to see the contract of anything that I allegedly owe. Several times I have sent the same letter to the company, with the first date being back in XX/XX/XXXX and I still have not received what I requested. As a bill from someone ( not me ) is not validation. I dont know who opened this account but it was not 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 2017-11-18
Company: Radius Global Solutions LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no debts yet I have been receiving repeated calls from " Central Credit '' who changes its phone number on a regular basis. Today 's phone number is 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 2021-04-22
Company: AES/PHEAA
State: PA
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:
so Ive been struggling to correct inaccurate reporting on my credit report from fed loan servicing. They've reported missed payments that I hadn't been notified prior to the beginning of the first inaccuracies. I didn't received any emails, mail or phone calls from them. At the time of these inaccurate payments I've been in deferment and forbearance. On top of that they have me late 90 days in one month which prior 's to that is say " no Data available '' how can I be late 90 days in one months if there is only 30 days in a month. I've reach out to to All 3 credit bureaus certified mail multiple times with all this information! I provided so much proof of these inaccuracies and I don't know what to do next. I have my forbearance and deferment history which I will be providing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE BEEN GOING BACK FORTH WITH THIS EQUIFAX, XXXX, AND XXXX XXXX. THEY HAVE NOT GIVEN ANT VERIIFACTION. I SPOKE WITH THEM ON THE ON THE PHONE TODAY. THEY HAVE MADE AN ERROR AND WAS NOT GON NA CORRECT IT. IF I WOULD HAVE NOT SAID ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Total Card, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Fair Collections and Out has added a derogatory mark to my credit profile in the amount of {$270.00}. The debt has been reported as past due. I do not know this company. I have never done business with Fair Collections and Out. I do not have a signed contract, nor any contract, with Fair Collections and Out. I have the right to demand to see a signed contract between Fair Collections and Out and myself.

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 2018-03-16
Company: American Financial Network Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a pre-approval in XX/XX/XXXX with XXXX XXXX 's Company under American Financial Network. We received our pre-approval letter from one of XXXX 's account managers. Her name is XXXX XXXX. We originally wanted to go with, what they disclosed to be a first time home buyers grant that would account for 3.5 % of the home purchase price for a down payment. Come to find out later it that we only would qualify for this if the seller contributes to the closing fees. This was not disclosed to us up front. After that, she advised that we put down the 3.5 % ourselves, within the FHA program. She never considered that a XXXX conventional loan would be a better fit for us provided our good credit and income. A GFE or Loan Estimate was promised to us but never sent. We never felt comfortable in going with them as we felt they weren't being completely honest. On XX/XX/XXXX, one of her underwriters called asking for more information, I kindly informed him that we were looking at other lenders that would provide a better interest rate through a conventional loan. She then immediately emails me back stating the following. 

" I just called and left you a message. XXXX on my team let me know you are shopping with another lender for conventional financing, which is what we can offer too. Please note, your credit scores will drop if you allow other banks to run your credit which can hinder your financing. 

Please let me know what is going on, so I can reach out to XXXX as I went through questions and verification for your offer to be accepted '' Note, this statement about our scores dropping is untrue and she may be in violation of the dodd frank laws. This was a scare tactic in order to keep our business. This was poor form and bad customer service. My concerns is that XXXX contacted the seller 's realtor in efforts to jeopardize the deal.

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 2019-10-04
Company: CCS Financial Services, 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 information incorrect

Complaint:
I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for Credit Collection Services in the amount of {$190.00}. I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called JP Morgan chase bank to close my sapphire bank and account including my other accounts yesterday XX/XX/2019 and XX/XX/2919,  reasons for this because there customer service is terrible and disrespectful, not being understanding with me considering my age and health issues. because due to my health condition I want out of this terrible non understanding bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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: Account information incorrect

Complaint:
These medical accounts shouldnt be on my credit report this medical account is under 180 Days please Remove Off My Transunion credit report!! This is a Hippa Violation!!!  This account is 5 months old

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 2017-11-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX XXXX 2017 I filed despites on 4 student loan accounts and Equifax, XXXX, XXXX, Never investigated or tried to fix the situation. They did n't delete the accounts that 's past 7 years they did n't fix the amounts they just add remarks on there.satating that they contacted the company which they did n't because I contacted the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( Trans Union ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and 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