BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-02
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello, I need to open a dispute for 4 transactions made with my debit card ending in XXXX. The seller never sent the items and also never gave any tracking number or delivery information. 
I tried to reach them several times by phone calls and emails without success. 

Transaction 1 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/XXXX, XXXX. It was a XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Transaction 4 : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX. Must be delivered on XX/XX/XXXX Until now I dont have the products, and also dont have any solution from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong 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 2022-02-09
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: Their investigation did not fix an error on your report

Complaint:
I have already submitted the FTC report to you and you removed the item but its back on my report. Please review your records. # FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Diversified Consultants, Inc.
State: TN
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 attempted to contact Diversified consultants about a collection on my report. I have no knowledge of this collection and it does n't belong to me. I have attempted to write this company and I received no response. I also did some research on Diversified consultants and this company is under information some fraudulent company practices. I want this item removed from my credit report immediately and would like to file a complaint against Diversified consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am the durable power of attorney for my mother. She has XXXX XXXX and was declared by her doctors on X/X/17 to be incapable of conducting her own affairs. The doctor supplied documentation to that effect. That documentation as well as the POA paperwork was supplied to USAA where she holds a credit card account. Despite notations on her account that no changes are to be made without authorization by the POA, changes have been made on a daily basis per her request with no effort whatsoever to contact the POA. I have been told on multiple occasions that despite the supporting documents, she as a member, still has a right to authorize changes. This is catagorically incorrect. This is a woman who had the foresight to put measures in place while she was sound of mind, to see to it that she and her finances were protected-even from herself. Call center staff are making their own decisions with regard to the legality of the situation and are putting she and her finances at tremendous risk. I do n't know how to stop it since I have been informed that there is no way to eliminate her membership.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I requested a refund under the CARES Act of payments I made to Edfinanancial on XX/XX/2022, totalling approximately {$40000.00}. I was told it would take 30 days to process the refund. I never received my refund and my loans were not reinstated. I called again on XX/XX/2022 and was told processing times are now at least 150 days, and my wait time was indefinite due to the volume of requests they are handling in light of the Biden administration 's forgiveness announcement. 

This does not make sense because I requested my refund months before that announcement, and because every other servicer has been processing refunds quickly and efficiently despite also dealing with many requests. I was willing to wait for a few months given the complexity of the situation but there is no excuse at this point for Edfinancial to be incapable of processing my request when the other servicers seem to have no such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-08-27
Company: REGIONS FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I pull my credit report and it shows the last payment on my mortgage XX/XX/2017 and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 2017-08-27
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Law Offices XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-08-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX/XXXX/XXXX I had a mortgage broker pull my credit to determine how much home I could afford. While reviewing my credit history it revealed that my student loans with XXXX had not been consolidated and there were in forbearance instead of showing that I 'm in a XXXX based repayment. I have been on the XXXX for the past XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
At first the company was called XXXX XXXX. I needed help with making payments to private loans. They would n't help me by lowering the payments. I could n't afford {$400.00} a month in payments. 

XXXX XXXX went bankrupt and Navient took over. They said I couldnt use any XXXX options or anything. I tried to explain to them in XXXX I was out of work and coouldnt make payments. They would n't work with me, I could n't afford {$660.00} a month. They kept calling my family, my friends and me to collect the money. They got my new job number and kept calling their too. I told them once again I needed help with payments but didnt offer options. 

For years they have been reporting to my credit bureau negativity. I cant buy a house or anything and I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
onXX/XX/XXXX2017 I took a loan out with big picture loans for XXXX and said my payment would b XXXX every two weeks for 20 payments total payments would be XXXX Apr 497.6311 they did n't show the truth in learning until after the loan was proceced only paying the interest nothing for the principal I 'm struggling ca n't continue to pay for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Synovus Bank
State: CO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I reviewed my credit card statement. I noticed on XX/XX/XXXX that there was an unauthorized transaction of {$110.00} posted. I called the fraud department and requested that I start a dispute of the transaction but I don't have any knowledge of the transaction. The transaction is fraudulent. I called and turned in a document that states I didn't do the transaction and I had to request to get a new credit card. Every time I call to get more information about the transaction dispute. I'm getting misinformation and not able to rectify the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Law Offices XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-07
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This company is threatening me through Credit Management LP to create a debt collection, I received a call from an agent that works for Credit Management called XXXX XXXX, asking me for confidential information, the debt was from XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX # XXXX, XXXX, FL - For services provided on XX/XX/2021 - When I called the collection agency to find out why I received this, they told me that XXXXXXXX XXXX XXXX XXXX sent me an invoice three times and they never received payment. I NEVER ONCE RECEIVED ANY INVOICE FROM THIS COMPANY. Upon further investigation, I found out that this company never even attempted to file a claim with my insurance company. I have made a payment through Credit Management LP but it is still showing as pending. I need this company to STOP charging me for services not rendered, to STOP threatening me through Credit Management LP to affect my credit, and to STOP asking me for confidential information over the phone. I hope to solve this problem.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation