BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: SUNRISE CREDIT SERVICES, INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 I received a call from XXXX at XXXX EST. I was unable to pick up the phone call.AT XXXX EST, I received a text msg from " XXXX '' stating to " Please call XXXX ''. 
Upon looking up what XXXX meant, I found this " If You have XXXX Service, XXXX is the XXXX identifier for the voicemail paging option. When a caller selects the option to leave the customer a numeric page, the handset receives a text message from sender XXXX ' containing the phone number of the caller, or the caller can enter whatever number they choose instead of their own phone number. '' The call and text failed to state who was calling and why. 
At approximately XXXX EST I called XXXX back to find out who was calling. A female came on the line and stated that she was from Sunrise Credit Services, a debt collection agency.

I told the representative that I had received a text on my phone telling me to call this number. The representative stated that she was looking for this named individual and if I was them. I stated I would not be answering any more questions and that I would be filing a complaint. 
I have received phone calls from XXXX on multiple occasions as well as other phone numbers that are linked with this company. Each time they have called I received no information on who they were or why they were calling in my voicemail. 

For XXXX I received calls on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and XXXX XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX For XXXX I received calls on : XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX For XXXX I have received calls on : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX For XXXX I have received calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XX/XX/XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX For XXXX I have received phone calls on : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX Each of these phone calls was done without leaving any sort of voicemail or communication stating who they were or why they were calling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
State: OR
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:
The following letter was sent via inbox/upload email to them ( some modification occurred due to having personal information ) : Good Morning Navient, I have submitted paper works back in XX/XX/2019 about my Navient account history, not reflecting the {$200.00} paid and withdrawn from my XXXX XXXX XXXX   account on XX/XX/ 2019. This will be my second time reaching out. I received an email in my inbox/upload that just showed my account history even after providing the documentation needed to show that {$200.00} was withdrawn from my account. I am therefore provided the documentations once again along with my bank statement and confirmation email I received from your team. I am hoping that we get this solved as I plan on making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: TX
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:
Experian refuses to follow bankruptcy laws. Accounts were discharged in my chapter XXXX filing. XXXX XXXX was of those accounts discharged. XXXX has updated my credit file correctly, however Experian has both XXXX XXXX accounts listed as delinquent. They refuse to allow me to dispute these already fraudulent accounts under bankruptcy now. These accounts were XXXX in my filing XX/XX/2021, I notified Experian of this information. They refuse to update these accounts which is causing damage to my credit file. I do not have any open accounts as they were XXXX and the balances have been marked {$0.00} Experian is the only company still reporting accounts with balances and refuses to mark the accounts chapter 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 2019-12-17
Company: Search ROI, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
XXXX XXXX XXXX XXXX XXXX is using a misleading adverting on XXXX showing XXXX XXXX  males showing off free cash. In reality the adverting link is forward to a high interest rate. XXXX XXXX XXXX XXXX XXXX address is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX with a phone number if XXXX. 

Please look into the misleading advertising that XXXX XXXX XXXX XXXX XXXX is using on XXXX ( XXXX XXXX XXXX ) Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: EQUIFAX, INC.
State: DE
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've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX employee who has consolidated and as an attempt to control my payment amounts as well as pay off my debt in 10 years to earn total forgiveness. However, I earn about XXXX a year and have additional responsibilities, like family, mortgage etc. My payments continue to increase so much so that i have begun to be geared toward forbearance over several years. This pushes back my XXXX plan, accrues extreme interest and does not allow me to make any progress on my approx. $ XXXX student loans. Student loans are bankrupting me. A huge portion of my loan was taken out at a college that was not even accredited at the time for the XXXX program I was in. There is no way to dig out from the burden of the student loans I was foolishly allowed to borrow as an unsuspecting college student. I am in a good job with a decent salary and I still can not afford my payments. There are few jobs that allow students to earn enough post graduation to afford to pay back student loans plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have an old Riverside Bank home equity loan which TD Bank is now the receiver of such and was assigned the loan. I started reaching out to them recently, on XX/XX/1922, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX & XXXX to get a release of XXXX on the old XXXX account and nobody has responded to me or my title company. I am doing a home refinance and this is holding up things. I keep getting transferred to various departments and nobody seems to find anything on my old loan. If they cant locate the records they need to provide me with a release of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was being charged random fees and charges every single month whether or not the loan was paid " on time '' or not. My principal balance was NEVER touched and anything I made paymentwise was for their " fees or charges. '' On top of that my loan balance is now {$1800.00} HIGHER than the loan amount I originally took out!! I 've reached out to the executive office with no help whatsoever and advised that theyre unaware of how the charges and fees were added but that they 're accurate including my balance which is an outright lie. They 've also reported numerous inaccuracies to all XXXX credit bureaus and refuse to properly investigate and told me " we just send it back verified because our systems are never wrong and it 's a waste of our time and resources to personally investigate every credit bureau request '', which is so beyond illegal! They basically stated nothing could or would be done and too bad for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently got denied credit from mcu bank for a personal loan and also for a credit card from XXXX for.XXXX, i believe someone is using my personal information and applying for businesses and credit cards from states i have never lived in or even visited, the only states i ever been to is XXXX, XXXX, XXXX and XXXX nowhere else, i dont even have family in other states just 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 2019-08-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, Equifax And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and XXXX is reporting that I paid in XX/XX/XXXX. However Equifax is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However Equifax is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and Equifax is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Navient Solutions, LLC.
State: MI
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:
I am a co-signer on my son 's student loan. Both my son and I are under financial hardship and working hard to get out debt and find better employment. I have talked to Navient several times about this and yet they are rude and unhelpful. I have called them and told them that we are doing out best and yet today for example I have received 4 calls from them, XX/XX/XXXX I received calls at XXXX, XXXX, XXXX XXXX, and XXXX and it is XXXX. This feels like harassment. At the time of the loans and even now this entire process has been confusing and often times wonder if they are misleading us into more unreasonable outcomes. 

Today I tried to file a complaint with Navient and received this error message : " sorry an error has occurred, try again later. '' Also, if the loans were at a California school does that mean that we could be part of the California lawsuit though we no longer live there? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IL
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:
XXXX responded quickly removing the account information that was inaccurate. XXXX, and Equifax has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: The Outsource Group, Inc
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
MediCredit was sent {$1100.00} in medical debt from XXXX XXXX XXXX on XX/XX/2021. I contacted XXXX XXXX XXXX and was told my account was closed, and to speak with MediCredit. 

I sent a letter via certified mail questioning the validity of the debt, and requested all documents pertaining to the debt on XXXX XXXX, XXXX, within the 30 day period of notification. 

MediCredit did not respond to my claim within 30 days of receipt, and as such, the debt should be declared invalid. 

I was sent an additional letter from XXXX dated for XX/XX/2021, attempting to collect the debt. Im unsure of my recourse here - I will be sending an additional debt validation letter to XXXX, but the debt should have already been considered void.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Byrider Franchising, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am not even financing anything through CNAC. However, the person that lived in this apartment before me did. I was at home relaxing and cooking and get a BANG at my door that was so startling I was shaking and afraid to open the door. I hear a man say She isnt answering! Then they slipped in an envelope. ( This is the 3rd time theyve come by ) I opened it and called the number and was greeted on the other end of the phone by a lady name XXXX that was so obnoxiously rude. I told her about how scared I was and Im not sure who they are looking for but lady doesnt live at this address anymore. She was raising her voice at me and was so inconsiderate. I had the rental office follow up with her and she told them not to call back and hung up the phone. I have asked them to refrain from coming to my residence. I feel like I am being harassed and I not the one they are looking for. Again, I am NOT a customer with this company nor do I owe them again!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXXT / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX  / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} U XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX / XXXX / {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2017-06-02
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau is reporting that I owe {$410.00} for an account under the name "  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ''. My report shows that it was opened in  XXXX   XXXX  with an account number of "  XXXX  ''. I have never had any business dealings with this company and do not understand why this is being reported to my credit. I have never received any bills or letters in the mail explaining that I owe this debt or even why I owe it. This is not my account and I do not have a delinquent debt with this company. I have disputed this with the credit bureau numerous tim es ( si nce  XXXX   XXXX   ) o nly to receive bogus responses saying that the account has been verified? I 've done research of my own and I even called this company using the phone number provided in the credit bureau response letters. The representatives I have spoken to can not find an account that matches my personal information. Clearly something is not right. I need this to be addressed immediately. It should not take this long to conduct a proper investigation and confirm that this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: RR Resource-Recovery
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
R R RESOURCE RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I have been dealing with this on my credit for over 2 years, they have had my dispute since XXXX i sent out a certified letter and all the payments i paid for my insurance and the false charges and they still continue to give me the run around. The insurance company advised I had full coverage for a lease vehicle and after 3 years of paying i got into an accident and they went back to XXXX and charged me unauthorized. I just would like this XXXX collections off my credit for good! I do not owe auto insurance and the state of NY your insurance laps you can no owe. This insurance agency is fraud and the collections agency will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX, XXXX, & Transunion credit agencies had refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit 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