BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-10
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Requested a letter via mail, they refused and will only send via email which i do not feel comfortable using. I have told both associates and their supervisior that i need a letter first, also i am currently unemployed and can not pay. I have said i would love to settle but i have no income and have moved home with my family. They then told me to borrow from my family or borrow against my parents house. This is unprofessional and will not stop calling. They use very unprofessional and abusive language and will not stop! They say i am incompetent and i don't want to settle this matter which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.

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 2015-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is for Trans UnionPlease note case number XXXX on file for XXXXDear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion is incorrectly reporting a loan account as open with a balance despite being contacted by both me and the creditor, XXXX XXXX XXXX XXXX, and notified that the account is paid and closed. 

I 'm attaching the most recent letter from the creditor that the account is paid and closed.

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 2022-03-16
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a consumer with UMB Simply Rewards since XXXX. Make all my payments on time, pay my balance in full each month. Good credit. 

In XX/XX/XXXX, I needed to switch my payment bank account information, as my old bank was closing. I could not figure out how to do this on the useless web portal and ended up calling customer service multiple times to ( I thought ) sort it. 

In XXXX, my old bank was charged for the new balance. I had to sort this through my old and new bank, and called UMB to get it paid immediately. At this time, they said the new bank was not on my account so I had a CSR help to put this on and I was told my automatic payments were set and ready to go. I was told that my old bank account information had been deleted from their system. 

In XXXX, I get a letter from UMB saying that my payment failed because I tried to pay from a closed bank account ( this would be the one I had been told was deleted! ). After spending much more time talking to multiple CSRs, I was told that it had been resolved, I authorized an immediate payment, all should be set. 

Since I had wasted about 4 hours on the phone already, I decided that, by XXXX, I wanted to spend down my rewards balance and be done with it. Surprise surprise when I tried to sign into rewards, I could not. After bouncing through 3-4 more CSRs, I was told that my account had been closed! Some more CSRs later, I was told it was not closed, but would need to call back before XXXX p.m. to speak with someone useful. 

So I called again, at XXXX p.m. XXXX, today, XX/XX/XXXX, only to be put on hold for XXXX minutes and then told that I needed to speak with the XXXX XXXX department, and they were only available until XXXX p.m. Central time. 

I am concerned that this company is : Inappropriately retaining financial information that I have requested they delete from their servers Holding my rewards balance XXXX, when this was a clear agreement of our previous terms Purposely providing poor and limited customer service in order to hold this reward balance Going to mess up my credit despite my best efforts to pay them what they need Meanwhile, I have made my payments, and I have $ XXXX in rewards awaiting that I suspect will be more hours on the phone to access. I hope everyone reads this and chooses never to do any sort of banking with XXXX in the future because they are the absolute worst bank/credit card financer I have encountered in my 20 years of finance and credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in  XXXX   2017 .

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 2015-09-21
Company: The CBE Group, Inc.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions 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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXX  XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
ATTENTION TO TRANSUNION, XXXX, XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with the companies reporting inquiries to mu file. I recently discovered through my monitoring service these account being reported I made efforts to remove these accounts from my file as I have submitted to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire these inquiries. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter. 

Inquires reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
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:
XX/XX/XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called the bank for assistance when my check for {$150000.00}? was not deposited to my checking account. The check should have been deposited on XX/XX/2022. I have called the bank several occasions and waited on hold for an hour or more only to be told they have not received my payroll check from the XXXX XXXX XXXX XXXX. My XXXX  and I verified that my routing number and checking account number provided are correct. I visited the back twice in person. The first time on XXXX XXXX I was told Truist/ SunTrust had not received my payroll check. This past Saturday XXXX I visited the XXXX Truist located at XXXX H XXXX XXXX. The Bank Manager called a Truist department that stated my check received on XXXX XXXX was held because it didn't match an account number. If this is true why did I receive my payroll check on XXXX XXXX for {$1500.00} from the same employer. Today is XXXX XXXX and Truist has yet to deposit the check into my account nor have they forwarded the funds back to the XXXX Department XXXX XXXX. I suspect I am not alone in this debacle. Hence the hour long holds on the customer service line since the merger in XXXX XXXX also provided a trace number and still was being told Truist didn't have my check.

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 2021-08-26
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recently I was going through my past paperwork to shred and I found 2 packets of Ally Bank. One had Welcome to Ally Bank with 18 Savings Account details and other with Customer Statement with 28 accounts in it. I had never opened any accounts with Ally, but it seems Ally got my information from somewhere and had opened these accounts in my name. 
If someone could help me close these fraudulent accounts, then it would be a big help. 
Thanks, 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 2019-10-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank harrasses people. I've complained about them before but you miss one payment and they call you all day long. I'm on the do not call list and i blocked them from calling me but when i look at my call list their number is on there roughly 6 times a day my bill is due on the 1st and they have been calling me everyday. I had trouble with them before not wanting to work with me they just would threaten me they need to be stopped

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 2020-03-19
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Company : PayPal. On this.website, I reported a problem with a product that I wasn't satisfied with and wanted a complete refund of {$50.00} because the seller half-assed and didn't follow any of the instructions that I have given them. The case was won in the seller 's favor because I.was n't able to submit evidence right away but now i have proof that this.seller is a.scammer as she traced most of it, didn't give credit to the original artist she traced, and not only.that has the nerve to lowball me. Just so it's clear, my PayPal email isn't the same, please email me by my new current one for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage payment is showing nearly {$4000.00} more than what I owe. I contacted the credit reporting agency and my mortgage company to ask what happen. My mortgage company stated the amount on their website is showing the correct amount and the Experian is in error.

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 2017-07-28
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX the company ( fed loan services ) reported that i made a late payment when i was told at the time that i would be in deferment while they processed my income based payment plan application that i submitted in XX/XX/XXXX. it was to my understanding that effective immediately my payment due is to be waived during the process. i was later approved for my current payment and was never informed of this late or non payment made. i have call several times including four times in the month of XX/XX/XXXX as well as four times in the month of XX/XX/XXXX and 3 times in the month of XX/XX/XXXX where i filled out an online dispute application and continuously receive emails stating more information need or not enough information provided for the issue to be resolved. one time in the month of XX/XX/XXXX i spoke to a supervisor who personally walked me through the entire application and assured me i have filled it out correctly and submitted it to receive yet another email stating not enough information provided. they have had this on my credit report for far too long and simply do not plan to remove the false delinquency from my credit report which is holding me back from doing things as far as credit is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent repeated letters to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX asking that they validate the debt that they are showing on my Transunion Credit Report. I have sent XXXX letters and have proof of delivery for both. It has been well over 60 days and I have not seen a response. 


XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-03-16
Company: BOEING EMPLOYEES CREDIT UNION
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter from BECU ( Boeing Employee Credit Union ) saying I had taken out a loan and my payment was overdue. When I called to verify what the bill was and that I had not taken out a loan with them they directed me to their webpage to dispute and wanted me to fill out an IDENTITY THEFT AFFIDAVIT. This form collects all my personal information. When I asked them about it, they said that was the only was to dispute the claim. I said I was uncomfortable providing that information when they should clearly already have it. They said that there was nothing they could do until they had that information and the debt owed would be reported to the credit reporting agencies. From the letter I can not tell what information they have about me other than my mailing address. When I check their website, it all looks legit. What am I supposed to do in a situation like this? Just ignore it? Please advise. Let me know if there is additional information you need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.

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 2017-05-29
Company: Perfection Collection
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company contacted me threatening legal action around  XXXX   XXXX ,  2017  regarding a debt owed and left a voicemail informing me that that I needed to be available at my home between  XXXX  to receive and sign paperwork, with my proper identification, being delivered by a private courier regarding legal action. I called the company back since no information was left in the message regarding what the call was regarding and the representative gave me further detail to contact Perfection Collection, which they were calling on behalf of.     Needless to say, no one showed up at my home, but I have continued to receive the same harassing phone call, more recently on  XXXX  leaving the same voice message.

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 explanation