BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX XXXXXXXX Florida ( Previously XXXX XXXX  XXXX Florida ) had been charging me rent after my departure. I broke the lease, but following my departure tenants had signed the lease for the same unit, meaning XXXXXXXX XXXX was charging the following tenant AND me at the same time. The amount is {$9100.00}. 

The account was then sold to the debt collector Aldous and Associates and put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
SYNCB/CCARE1 ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : C/O XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/CCARE1 or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/CCARE1 or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-11-23
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We were unable to make our mortgage payments for a while and tried to apply for a HAMP which was denied by PNC Mortgage. At that point we made an agreement with the bank to do a short sale. We received a short sale offer which was denied by PNC. I believe the BPO that was sent to the bank was too high for a short sale property. The listed amount was as high as a house selling for top dollar in our neighborhood. We went to PNC Mortgage with a counter offer and that was also denied. I believe that PNC Mortgage is trying to for us into a foreclosure rather than accepting the offers for the sale. I had also written to PNC Mortgage asking for the information of our loan investor and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: United Collection Bureau, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer I demand the following accounts be removed from my credit report immediately. In addition I demand to have a copy of my updated consumer report once the following changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX I tried to dispute the following inquiries with Experian. These are non authorized inquiries. They wont let me dispute these inquiries online or over the phone. I want Experian to conduct a full investigation on these non authorized inquiries. I would also ask for Experian to delete these inquiries if they cant be verified in the 30days allowed by law. Per FCRA. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/22 I Contacted Transunion By Phone And Spoke With A Transunion Representative Failed To Provide Me The Consumer Accurate Information Inside My Credit File. Violation1 Secondly, Transunion Representaive Was Rude And Sacastic And Refuse To Anser My Question As Consumer. 2nd Violation 3rd Transunion Representative Intentionally And Willfully Hung Up The Phone In My Face Faking As If She Couldn't Hear Me. The Call Ended. It Was Not A Bad Signal. I Have A Witness! Transunion Has Failed To Provide Me Verifiable Proof of The Original Creditor Signiture. Transunion violated 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) 15 U.S.C. 609 ( a ) ( b ) 12 C.F.R.1692 ( a ) ( b ). I Have Reason To Beleive Criminal Activity Is TAKING place Inside Transunion Concerning My Information. Fraud, Identity theft

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 2019-03-29
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: Information belongs to someone else

Complaint:
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX 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 2019-02-26
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was in school for two years. I took a break for a semester and tried to keep going with my degree but the program was cancelled and my credits are non-transferable and I am unable to obtain my degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Inter-Cambio Express, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
At XX/XX/2019, I sent {$660.00} dollars, to XXXX using the company Intercambio Express, they  promised money will be available within minutes however my beneficiary so far has not received the money and the wire company said they sent the money but they can not give me a better answer after talking to them over the phone five times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My total original amount borrowed is {$27000.00}, roughly. However, my interest rates caused my total balance currently to date to be nearly {$70000.00}. Over the years I contacted SallieMae/Navient many times to lower my interest rate which was 12.75 % for many years due to the fact that I was unable to make my payments. They kept having me be put into forbearance and pay the {$150.00} to which I did just so the phone calls would stop. I also told them when they did call that I was out on XXXX due to a work accident and was not making nearly what I made between my three jobs at the time. On XXXX of 2017, I called them again after I received a very high payment schedule and told them I am currently in school, and I do not even make my monthly payment at my job. Magically, they were able to reduce the interest rate to 3.0 % and also reduce my monthly payment from nearly {$1200.00} a month to {$300.00}. Even with the repayment plan that I am on, I have already had to call twice to have them " fix '' the payments because I am being charged a late fee because someone did not put the payments in correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

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: 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 information incorrect

Complaint:
account was open XXXX XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Investigation took more than 30 days

Complaint:
I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Also Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( i ) which is the term credit card means any card or plate, coupon book or other credit devices used device existing for the purpose of obtaining money, property, labor or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below.They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I demand that you remove the following accounts and send me my updated consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
About a year and a half ago I took a loan of XXXX dollars and its paid every 2 weeks but because most of the payment goes to interest it never goes to the bill I am still paying almost 2 years in and the interest rate must be illegal and payment every 2 weeks is at least XXXX to XXXX dollars which is crazy something needs to be done with speedycash

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good Morning, On XX/XX/XXXX I received a notification from XXXX XXXX XXXX regarding a denial for a apartment in Washington DC ( XXXX XXXX ). Further, the denial indicated that I would require a guarantor as my credit report from trans union resident score was XXXX. I checked my Transunion credit report and I see that my credit agency score is much higher than that. On XX/XX/XXXX I requested a copy of the credit information from XXXX XXXX XXXX which I am currently waiting my copy. In the mean time I want inquiry how XXXX XXXX XXXX can deny my apartment occupancy with a much lower score than XXXX XXXXXXXX XXXX are they one in the same?

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 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2019-03-29
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:
Both EQUIFAX and XXXX XXXX are in violation of my federal rights. Even though your agency has been involved and updates were made, they have now been " reverted '' to the original errors to purposefully harm me. 

XXXX XXXX was charged off in XXXX. I then settled with XXXX  XXXX and paid the agreed upon balance in full, on XX/XX/XXXX. 

As of XX/XX/XXXX, My Equifax report is showing it as a Delinquency in Collection Status and the last reported delinquencies were XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX ( the actual charge off date ). Their intentional and willful disregard for my rights has impacted me financially with interest rates and turn downs of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
We called on XX/XX/XXXX to ask for a 30 day loan payoff statement. They said that they would send it to us via e-mail within 24 hours. We did not receive anything within 24 hours. We called again on XX/XX/XXXX to ask for the same thing. They stated that it had never been submitted. We were told we would receive it within 24 hours via e-mail. We have not received anything yet except for a survey asking how the call went. There is no way to get this information on the website with our account. We also discussed the fact that our autopayment had not gone through on the call made on XX/XX/XXXX. They said that there was no reason that it would not have gone through, but it did not. So we  asked them to make a manual payment for us and that we would not be paying a late fee because the error was on their end. They asked if any account information had changed, it had not, but we gave them all the information again and the payment magically went through, we were told. Upon review of the account today, it appears that only about 75 % of the payment was made and there is an outstanding balance on the account. I can not for the life of me understand why they would not process the full payment not only when it was supposed to be automatically paid, but then not even when we called to make a payment manually due to their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Consumer Collection Management. Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 a cashier check in the amount of XXXX and notorized contract and rules written on check was sent to Consumer Collection Management via certified mail. On XX/XX/2018 the collection company signed for mail. On XX/XX/2018 Cashier check was cashed via bank contract violated not abided by because debt remains on XXXX credit report as of today XX/XX/18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and savings account with a promotional offer to get {$400.00} within 90 days of meeting the requirements ( having {$15000.00} deposited for 60 days ). I contacted them on XX/XX/XXXX once 90 days passed and they did bonus would post that day. On XX/XX/XXXX they aknowledge they problem and created a case number. They said I would receive a letter in 7-10 days. I never received a letter. I called again today XX/XX/2019 and was  told that 90 days from XX/XX/XXXX would be XX/XX/XXXX and the bonus would be awarded then. Thats 120 days and another lie from them. When asking to speak to a supervisor I was told you can if you can wait long enough.

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