BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to several bills I continued to receive in the mail. I have never heard from the place before. I immediately suspected my identity had been used. I reviewed my report and I was caught by surprise on things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$36000.00} XXXX XXXX {$1300.00} XXXX XXXX {$4400.00} XXXX   XXXX {$1400.00} XXXX XXXX {$0.00} XXXX XXXX {$34000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX {$530.00} XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX {$960.00} XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$530.00} XXXX   XXXX {$270.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$670.00} XXXX XXXX {$880.00} XXXX XXXX {$440.00} XXXX   XXXX {$2200.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$500.00}

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 2019-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid as a part of a claim with XXXX claim number XXXX two years ago. My claims adjuster was XXXX. The information is no longer available to me online. On XX/XX/2016 I was XXXX   and XXXX the NJ victim compensation paid all medical expenses.

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 2019-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have four civil judgments in court they are not my accounts, the credit profile was mixed with mind I called the creditors and all three Credit bureaus to have them delete theses accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
State: TX
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-05-14
Company: Navient Solutions, LLC.
State: CT
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:
To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loans provided by this provider are predatory in nature and take advantage of low income households. Their loans are outrageously expensive. A {$700.00} installment loan paid back on time over the course of 6 months will cost {$2800.00}. How is an APR this high allowed by law. Or is it even allowed? It is not clearly stated in their advertisement for loan services. Make of it what you will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
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 information incorrect

Complaint:
Upon noticing an incorrect balance on my TransUnion credit report, on XX/XX/XXXX I submitted an inquiry to TransUnion requesting that the correct balance be shown ( TransUnion was showing a {$640.00} balance, while the correct balance was actually {$0.00}! ). Even though I received an acknowledgement that TransUnion had completed their review, the balance being shown today is still not correct ( it shows a {$200.00} balance, when the actual balance is still {$0.00}! ). 

I then called the TransUnion XXXX number around XX/XX/XXXX, to ask for a second inquiry into the misreported data, was assured that they would look into it, but today, they are still showing an incorrect balance! 

If these credit reporting companies want to be sued, keep reporting incorrect balances!

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 2020-02-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is follow up to CFPB complaints # XXXX loan # should be XXXX There are 3 loans in dispute with BMO Harris bank. 

All have extra principal not being applied.

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 2021-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is in reference to a complaint already filed on XX/XX/2021 against bank of america, complaint # XXXX and complaint # XXXX I am submitting new documents.A correspondence via mail from the other party 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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting a collection account on my report from XXXX XXXX that is fraudulent. I disputed and requested verification for the account over a month ago and received no response or validation that the account belongs 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 2019-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
We as victims of Identity Theft feel as if we are in a sinking hole with no way of ever coming out of it ... .I have gone back and forth with EQUIFAX over this fraudulent account ... they have lied over and over and I will supply the documents to prove it! The only remedy at this point is a law suit, they lied to me and they have lied to the CFPB in their fraudulent responses as I will prove with the attached documents. I have been fighting for my financial life here trying to put all the pieces back together. As you will see from the time I filed my Identity theft affidavit. I also have proof that I was a victim in the security breach at Equifax which exposed my personal information on the DARK WEB and across the world. I will supply my credit reports from all 3 bureaus dated XX/XX/2018 showing the fraudulent account XXXX   XXXX # XXXX, after I supplied all the proper documents in XX/XX/XXXX and the documents were received by all 3 bureaus XX/XX/2018 ... ..the ACCOUNT WAS FOUND TO BE FRAUD AND WAS REMOVED FROM XXXX AND XXXX as you can see on the reports dated XX/XX/2018, EQUIFAX responded to my previous complaint and stated that the account had been deleted from my file on XX/XX/2018 ... .see attached response to the CFPB ... .dated XX/XX/2018!! but as you can see in the report dated XX/XX/2018, EQUIFAX never removed or deleted the account and is still reporting it on my file today!! my scores and reports with XXXX and XXXX are around 700 but Equifax is killing me and my financial life. I have obtained a lawyer and I am prepared to sue for every dollar that I am allowed. I am sure that the CFPB have all records as I do ... .but you can clearly see that EQUIFAX is BREAKING the LAW here!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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:
i checked my credit today and found XXXX XXXX is still reporting a debt from XXXX that is not owed. I want the trade line deleted immediately. i tried to submit a dispute through equifax website for this item and several more but the system caused an error when i clicked submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a credit card from XXXX XXXX. It is not mine. I contacted this creditor and informed them that this is fraud. I don't have this card and never applied for it. They are still reporting it on my credit and whoever has the fraudulent card is still charging on it because the balance is steady going up. XXXX XXXX never even closed the card out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have hired XXXX XXXX to dispute inaccurate information, however XXXX, XXXX and Experian are still disclosing information that are closed on my report and inaccurate and have been paid over 10 years.

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 2019-05-14
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan servicer PennyMac hired a company to check on my property. That company broke into my property on several occasions and took all of my personal property. I filed a police report. To date I am paying my mortgage and am unable to live in the house because I have nothing. 
This happened on or about XX/XX/2018 to XX/XX/2018 while I was out of state. I filed a police report. 
No one wants to accept responsibility. My loan has now been transferred to XXXX XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Amsher Collection Services, 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:
Amsher Collection is a fraudulent account on my credit I didnt open this account nor do I have any idea what this account is please remove this account from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my 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 non-monetary relief
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my 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 2021-03-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
By submitting this complaint we are asking CFPBs assistance in removing unfair ( and possibly illegal ) late reportings from our credit history by Select Portfolio Services. 
Back in XX/XX/2020 our family was in a financial crisis due to COVID pandemic just like many other American families. We heard about the pandemic assistance banks provide by allowing to pause mortgage payments without getting foreclosed or being reported as late. Our mortgage is with Select Portfolio Servicing , inc. ( SPS ) and they provide the option to apply for assistance online. We submitted the request thinking that it will be such a relief, but instead our financial situation got even worse. They responded to our request asking for our financial documentation to be provided before they can make a decision. We uploaded the documents, but every time we send them requested documents, they would come up with additional requests after reviewing them for few weeks. It took the whole 3 months to finally get approved for the program that would only reduce our payments for 6 months, but the whole amount would come due at the end of the term. This is NOT a good plan to help people struggling in such a great financial need due to global pandemic. In XXXX, we got our tax return and were able to pay all the past due amounts. We were lucky that we had these money coming in. After rejecting their offer, we were shocked to find that SPS reported us late in XXXX, XXXX and XXXX which obviously ruined our credit history. According to the CARES Act the pause of payment is immediate, but for SPS it took 3 months to make a decision. We dont understand why SPS decided to take so long and after all report us late, and therefore we ask for your assistance since they refused to correct our credit history. To be more clear and specific, we ask for your assistance so SPS would remove late payments from our credit history. When we started the whole process, we were not aware of the timeframe it would take them to approve and that they are going to be reporting us late during the entire time we were in communication. They also reported us wrong because we were late in XXXX and XXXX, but we all caught up on XX/XX/XXXX, but we were still reported late in XXXX. They also refused to acknowledge that when we called them. I hope you will be able to restore justice. 
We are attaching our letters from SPS so you can see the process. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX called Fay Servicing because on my 1098 form they did not include my PMI insurance amount that I have paid all year. 
they also failed to supply it for XXXX I need this for a tax deduction i was told a request was being sent to that department. 
i was also told laws have changed and they don't need to list it anymore how can this be? this company is taking advantage of many people. I never asked for this company and I am trying to do the right thing while they are lying and manipulating people and stealing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact Synchrony Bank ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the Synchrony Bank financed for me in XX/XX/2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the Synchrony Bank said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and Synchrony bank trying to find out where the credit went, if they actually credited something after telling me they could not investigate the 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 2023-01-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/23, XX/XX/23, XX/XX/23 XXXX XXXX XXXX XXXX XXXX requested my credit report and it was considered invalid reporting the last XXXX of my social and birthday being invalid for Equifax. 
Equifax was contacted, no valid solution was given.

Company response to consumer: Closed with explanation