BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX XXXX : # XXXX Balance {$4200.00}. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain

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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Back in XXXX or XXXX the unemployment agency in florida sent me a letter stating they had accidentally used all of my information name, date of birth and social security number on an example to the public .so I called all the credit reporting agencies and asked them to put a fraud alert on my account in XXXX I called all three reporting agencies and asked them to remove the fraud alert, they did not do it and it has ruined my life .I have wrote all three agencies over 30 times called over a 100 times, made numorus reports with your Agency and still over 11 years later they still have not taken off the alert, and i have not been able to purchase a home I had to pay extra interest the highest amount to purchase a car which I never was late one time with a payment. Lost jobs, could not get an apartment .because they can not see my credit i have a score of XXXX after paying a car for three and a half years and never being late not one time. I have done everything to get this fraud alert off my credit and they refuse to remove it please help me thank you

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 2022-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection account that was brought from XXXX  XXXX illegal because PORTFOLIO RECOVERY ASSOCIATES LLC is an unauthorized third party for the consumer credit transaction. They at the moment have my personal information which I didnt give them authorization to have. And I requested a debt validation but they didnt provide it and they were supposed to cease collection of this alleged debt. Im here now to involk my rights as a consumer pursuant to 15 usc 1692c. I refuse to pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This involves American Express. This involves an account that belongs to a relative and I have never been financially responsible for this account. I am repeatedly contacted by American Express and a variety of debt collection companies for payment. I have on numerous occasions instructed the company to stop calling me. I have done this by letter and verbally. My next step will be to contact an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
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: Account information incorrect

Complaint:
I am spouse of an active military and have contacted Equifax 2 times to help fix an error on my credit report. I have been hung up on disconnected given wrong fax numbers numerous times but yet my issue is never resolved. I am looking to refinance our house and there is a late payment should up from XX/XX/XXXX from XXXX. I called discover they have corrected the error in there system and send me a letter stating they have updated it and it takes between 45-60 days to update. 

I have letter proof from discover and have been trying to get Equifax to update this reporting so I can refinance my house before the interest rates go up again. Below is how the account appears on my Equifax report XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code :  Authorized User Account Status : Open Monthly Payment : {$29.00} Date Opened : XX/XX/XXXX Balance : {$700.00} No. of Months ( terms ) : 0 High Credit : {$1700.00} Credit Limit : {$900.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Credit card Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I have attached letter from XXXX to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
constant robo calling to my cell phone and daily letters in mail box since XXXX and i have sent 4 different cease communication demand letters to Resurgent capital services and nothing has changed .my sons employer is getting mad because they call his work harrassing him telling him can he pay my debts .they leave recorded messages on fridays saying they have legal process that they are sending to the local district clerk office to have me served and arrested and to use a prepaid debit card to pay by the next monday. but every one knows that they will never come out because that is illegal. the Resurgent capital company has sent collection notices to me from five different agencys they run for the same identical debt and no one knows who owes who and has turned into a administrative nightmare for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Your report on me is in error because it contains information that is inaccurate. I request that you investigate the following and remove them immediately and prevent their reinsertion in my reports. 

XXXX : # XXXX {$0.00} Charge Off. This account does not belong to me. I have no knowledge of this account. Please validate this information with XXXX and provide me with copies of any documents related to this listing bearing my signature. In the absence of any documents bearing my signature, I request that this information be deleted from the file you maintain under my Social Security Number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Debt appeared my personal file and i do not know of this company trying to collect, this the amount of {$580000.00}, this Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: GLA Collection Company, Inc.
State: MI
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:
I am XXXX XXXX, the original creditor, consumer and natural person. We entered into a consumer credit transaction therefore the finance charge was taken when i signed the application. After the finance charge there usually a security interest thats left behind. Instead of giving me my money. Because all the money originally came from my social security number. Since i didnt accept the money they took the contract over for value. Which was misleading because they are suppose to tell you whats happening but they never did. This led to them infringing upon my privacy and sending my information over to consumer reporting agencies. Which i never gave them consent to do. That is fraud. Then the consumer reporting agencies are now committing fraud because they are reporting my information without my written consent which is illegal for them to do as well. Everything starts and ends with the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-09-28
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference. 

Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.

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 monetary relief
Consumer complaint received 2022-04-28
Company: R & B Corporation of Virginia
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Who

m It May Concern, I recently checked my credit reports and noticed a collection with a high balance reporting. This collection should NOT be on my reports and is NOT owed by me for multiple reasons. My recollection is that the cable company I had MANY years ago transferred my service to another company. This was done without my knowledge or authorization. When I found out what had happened, I immediately cancelled and RETURNED their equipment to the original company. In addition, I have never received any kind of invoice, letter, bill, email, or telephone call advising that this was an issue years ago. Again, I had no idea it existed until I recently checked my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Nearly three weeks ago, I deposited a XXXX check into my PNC account. The account was then immediately restricted. Initially, I was told it was until the check cleared. A week later, after it cleared, the restriction was still in place. They then told me theyre reviewing the account history and the only access I would have to the funds would be to go into a branch, have a banker call them to lift the restriction temporarily, withdraw some funds, then theyd put the restriction back on pending their review. 

On Monday, XX/XX/XXXX, I went into the branch to withdraw the funds I would need for the week. I was told the account was closed XXXX minutes prior and that I was mailed out a check. I asked PNC bank to stop payment on the supposed check they mailed to me ( when the account was closed less than an hour before ), allow me to withdraw the funds or at least what I need for the week, and they refused. 

This has caused a nightmare for me, both professionally and personally. First, all of my credit card and loan payments were returned causing me to incur returned payment fees and late fees with creditors while also putting those accounts in restricted status. Second, because I work in sales and Im required to buy lunches or dinners for potential clients, having no access to my funds, and being unable to use my other credit cards, I am unable to perform my job, which is now in jeopardy. So I am looking to go after them as this has been ongoing for XXXX weeks and is now jeopardizing my career. They also did not warn me that the account would be closed and allow me an opportunity to withdraw some, if not all, funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card has been compromised multiple times with the company Synchrony Home. 

FIRST TIME : I didn't even receive a credit card, it was some stolen before it even reached me. I noticed that there was a crazy amount of charges within the first couple of weeks after opening the card. I called to report the fraud and get the account closed with a new card sent. The individual that had my credit card was able to access my account via phone and change the personal info. I requested that synchrony correct the personal information and expedite a new card to me .... a week goes by NO NEW CREDIT CARD ... low and behold they never corrected the address and sent a new card to the individual making these fraudulent transactions. Where the individual made more fraudulent transactions. - It took 3-4 weeks to get a new card sent to me and almost 3 months for the fraudulent transactions to be removed from my credit card. 

SECOND TIME : ( MOST RECENT ) An outside individual somehow was able to obtain my Credit Card # and able to access my account via phone with a customer service agent and make changes to my personal information ( address/phone # ). This individual was also able to request that a new credit card be sent to the new address. If it wasn't for the email I received regarding the changes, I would have never known. I asked if I could add a security question or pin to my account for extra protection. The lady stated they do not " do that ''. 

My complaint with this company is that they do not have additional security in place to stop an individual from gaining access to an account. Anyone can gain access to an account by solely providing the account number ( aka credit card # ). 

Their way of fixing an issue is closing an account and sending a new credit card to you .... if they have the right address on file. If not, you will be repeating the same steps all over 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 explanation
Consumer complaint received 2021-09-23
Company: Bread Financial Holdings, Inc.
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: ID Analytics, 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:
We purchased a vehicle in XXXX from XXXX XXXX, who contacted XXXX XXXX for funding. We were denied credit through XXXX because of a report from Sagestream , LLC, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the XXXX 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken XXXX over two months to send us any notification.Have been told by others XXXX approves only wealthy people. XXXX needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. Sagestream needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and Sagestream to file reports with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Fay Servicing, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been with XXXX XXXX XXXX for several years, I requested a mortgage modification with XXXX XXXX XXXX XXXX XXXX of which was in processing until the servicing was changed from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I resubmitted my modification request to XXXX of which it was in processing and my mortgage servicing changed again to Fay Servicing XXXX XXXX of which they are currently processing my mortgage modification request. We have received a property foreclosure notice from the foreclosure Attorney for our property XXXX XXXX. We received the property foreclosure XXXX the XXXX, XXXX. State of Tennessee require the homeowner must receive notice of property foreclosure sale 30 days prior to the sale date of which we a just receiving the notice. XXXX XXXX XXXX is refusing to work with us, they are intentionally trying not to assist us and foreclose on our property. Please Help!!!!!! See Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I do n't remember the dates but I know this started 3 months ago. I called Navient and was given a number of a company that I was informed I needed to go through to have the paperwork processed on my loan. I had to make 3 payments of XXXX that was debited directly from my account. 
I received an email a couple days ago from Navient saying my payment was going to be double what I was told on the phone. I now have my XXXX. I know school was not a mistake but having Navient might have been ... I can not afford these ridiculous payments. I 'm not making much more as an XXXX than I did as an XXXX. I certainly would have done my own paperwork to save myself more than 700 dollars if I had known that was an option. The paperwork company is XXXX XXXX. Also, I just noticed that my loan at that time was put in forbearance. I might add although Navient initially connected me with this loan processing company, today they said they ca n't tell me the name of the company over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received another demand lette r, ( {$6400.00} ) t his time from  XXXX   XXXX , for a debt that was settled ov er three deca des ago and that is not valid. I periodically receive these letters, and have been unsuccessful in receiving resolution, thus the resurfacing of these demands. I have repeatedly sent written notices disputing the validity of the debt to the various collection agencies, again, to no avail.  <P/> I have also filed a complaint with the Missouri Attorney General 's office and will be faxing a response to  XXXX   XXXX  at  XXXX .

Company response to consumer: Closed with explanation