BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 non-monetary relief
Consumer complaint received 2021-09-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a debt validation letter to COMMONWEALTH FINANCE, they failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

I have also completely paid my medical bill with the XXXX XXXX XXXX, I have nonidea who COMMONWEALTH FINANCE is and what they are trying to collect from me, i do not have a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: Wellmont Health System
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i had a procedure done at XXXX XXXX in XXXX, tn. It was a referral from providence free medical clinic in XXXX. They asssured me I would not be billed. I forgot about it, now months later, I receive a message on my phone to call a # about an acct. #. I call and it is a collection agency from XXXX stating I owe {$180.00}. She stated that they sent me letters to an old address. I never received XXXX phone call from XXXX about this supposed bill. They just sent letters I never got and then sent it to collections without personally talking with me. This is fraud. XXXX medical payed this bill. I was not supposed to be charged. Yet, they did not even have the decency to call me about it and they had my phone #. This is wrong. These hospitals are sending bills to collection after no one responds to a letter, but they are not calling the person, to make sure the address is correct. If I had not had my phone # still operating, this would have went on my credit and it would have been months or years before I knew it. These people at XXXX are evil and they need to be held accountable for fraud. They need to have procedures that make them call an individual before sending to collections.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Transform Credit Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Yesterday this " loan company '' called me inquiring about co-signing for a loan for someone and I specifically told them I do not approve of this and they can cancel the application. I am a XXXX XXXX, I was working a 16-hour shift when I got several notifications on my cellphone from all 3 credit bureaus stating that a loan was taken out in my name ( unknown to me and unauthorized ) and someone had forged my signature! I called the loan company as soon as I got off of work at the number that was on the loan document, and the number they called me from yesterday while I was working but they are not reachable. I suspect that this " loan company '' is a scam/ not accredited because of the XXXX report and the complaints. I have left a voice mail for the loan company to call me back but I have not heard from them, I have even emailed them, and no response. Someone took a {$7000.00} loan out in my name without my consent, this is unprofessional conduct on their part because I told them that I do not approve and to cancel the application when they called me at work yesterday! I need the GM to reach out to me immediately because I don't want my credit to suffer because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed this account that does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or account that is found to be opened due to identity theft. The disputed account does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this account. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that this account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2017-01-24
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans were formerly serviced by Navient. I have read about the recent filing by the CPFB against them and wanted to add my complaint to the list. I have been in repayment and on IBR since XXXX. They misfigured my payment mulitple times, when I was able to calculate it easily. My husband also has qualifying XXXX loans and this seemed to be confusing to them. I requested consolidation early in XXXX and they stalled for nearly a year. They claimed I had loans with another company ( I did not, they had all my loans ), they would give me differing answers as to the delay, and they would of course push me into forbearance. I accepted, as I did not want to make payments not knowing the amount or how they would be allocated. In XXXX of XXXX, I refiled for consolidation through the Federal website and this time chose my purpose as PSLF since I had started working for a non-profit. This automatically made my new lender XXXX. During the process, I was informed by Navient that they all of a sudden were completing my consolidation and I had 10 days to cancel. I called and canceled, but they completed the consolidation anyway. They argued with me on the phone that it was 10 days, not 10 business days, which it clearly stated on the letter they sent me, and I read it to them. They replied, well it will probably go through anyway, and it did. It took another 2 months to get everything consolidated and moved to XXXX. I am so glad to be rid of Navient, although XXXX has made a mistake or two as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX of XXXX I found furniture on XXXX XXXX and financing was offered through American First Finance. The total cost of the purchase came out to {$2500.00}. There were to be bi-weekly payments of {$200.00}. 

On XX/XX/XXXX I contacted XXXX XXXX and asked if they would take the furniture back after seeing that the payoff doubled. The company stated that they would not accept returns. I called American First Finance. I spoke to a representative that stated if the store would not accept the return of furniture. She gave me the option of donating it to a not for profit charity and uploading a form with the charities tax ID info on it. I stated that I didn't have a truck to take the furniture to the said charity and asked if XXXX XXXX would do the pick up. She stated they would not. 

On XX/XX/XXXX, I called to have a payment deferred since I can not afford to continue to pay on this predatory loan. They rep stated that they could not do a deferrement and offered to cancel the payment scheduled on XX/XX/XXXX. The payment still pulled out on XX/XX/XXXX and I called to see why. I asked for the payment to be refunded as I requested a deferment. The representative placed me on hold and asked when I could make up the payment. I again requested that the payment be refunded and stated that I would like a deferment. The representative explained that the XXXX collection system pulled from my card. 

This is predatory lending and I would like to return this furniture immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-28
Company: C/C Financial
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: Account status incorrect

Complaint:
I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time XXXX  has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to XXXX  stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient never gave me information about interest rate and when you consolidate your loan you lose your payments. I am under the forgiveness loan expecting that i alredy would have more than XXXX payments like they said. I am struggling and the interested rate it is really high for student loans. I would like to know what can i do to get this fix and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: MI
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:
This was not my account. It was closed XXXX  years ago. There is no way they could Verify this account. I have asked to remove it. They have lied and said it was verified. That is not possible. Over XXXX years old. XXXX XXXX Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$300.00} Credit Limit {$290.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated -

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 2016-07-26
Company: National Enterprise Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My adult son has outstanding student loan debt. My wife and I co-signed for his loans and he had difficulty in finding a job that would allow him to pay off the loans. We have been receiving numerous telephone calls from National Enterprise Systems ( NES ), most recently XXXX yesterday where they actually left a vm message on our answering machine, informing us that they were debt collectors, yet the caller I.D . only showed the phone number ( ( XXXX XXXX XXXX ) and that the call came from XXXXXXXX. I called the number and got a recording that identified the company as ( NES ) Prior to that, they had been calling us from XXXX, XXXX and using a phone number of ( ( XXXX XXXX XXXX ). I believe that XXXX XXXX XXXX XXXX has sold my sons student loan debt to NES. My son is currently working with a company to help him manage his student loan debt and he informed me that they have reached out to his creditors to attempt to pay his debts. My wife and I are retired and we do not get involved in our sons financial affairs. My wife 's health as of late has not been good as she had a XXXX a few months ago. The added stress of companies such as NES constantly calling us and harassing us is adding to her stress level. I had previously filed a complaint with your agency back in XXXX of 2015 concerning a similar situation with Navient/XXXX ( Ref complaint # XXXX ) and I have received well over 100 phone calls from them since filing that complaint. If my son was a deadbeat and blatantly refused to own up to his financial obligations, I would not have a complaint but that is not the issue here. These companies that finance student loans and the third party companies that they sell these loans to for collections are predatory sharks and action needs to be taken by our government to stop these strong arm tactics used by some of these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX Received Notification that account was being closed for reasons of : [ 1 ] Lack of XXXX XXXX Account Information [ 2 ] Not enough balance paid down over time on retail accounts [ 3 ] Too many inquiries XX/XX/22 - Requested Fraud alert be placed on my account. -- -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE XX/XX/22 Request denied does not meet .their definition of fraud XXXX to account manager, XXXX who states that all info was obtained from the soft pull from XXXX for my credit worthiness decision. 

Note : -I DO NOT HAVE RETAIL ACCOUNTS OR A MORTGAGE. 
I have a credit freeze on ALL credit bureaus My credit profile must be opened for credit information to be released [ hard or soft ]

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 2016-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was checking my credit report to make sure that another issue had been resolved and saw this debt had been put back on my report. I had this judgment resolved and then expunged from my record. I will attach a copy of the expungement record.

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 2015-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Using the Bank of America online banking system, I transfered money to my daughter into her Bank of America account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Bank of America explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Bank of America are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is charging me {$310.00} for an account that was closed. 

I returned the modem as soon as the lockdown in michigan was canceled. I was high risk for COVID and they would rather me risk my life than to wait for safety to return it. Its punitive!

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: Southwest Credit Systems, L.P.
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:
In the process of refinancing my residence last week, my credit was checked by the mortgage broker. The broker informed me I did not qualify for the rate that I was attempting to lock-in because of a recent debt reported to my credit report ( reported on XX/XX/XXXX ). A cable utility company sent an unpaid debt of {$710.00} to collections. The debt was related to an account opened in XX/XX/XXXX that went unpaid. I called debt collection agency and learned it was for an account opened at an apartment complex that I moved from 19 years ago in my maiden name. I filed a formal complaint with the police department for identity fraud in the city where the account had been opened. The detective informed me today that after checking with the apartment complex and with the utility company there was no evidence of identity fraud. The person that opened the account has a name similar to my maiden name but used a different DOB and social security number. 

It appears the debt ended up on my credit report in extreme negligence because my maiden name was similar and I at one point lived in that apartment complex ( almost 20 years ago ). I've tried calling the utility company but since I don't have any of the account information and they can't find an account in my name they won't help me. I've called the collection agency and they will only tell me that it has been marked as a fraudulent account. 

At this point, I can not find anyone to confirm this will promptly be removed from my credit history. It has already cost me thousands of dollars due to no longer qualifying for a much lower interest rate on my residence. Utility companies and debt collection services should be held responsible for this type of negligence. The smallest amount of due diligence by the debt collection agency would have prevented this from happening. A lawsuit will be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion is not investigating my dispute because they are not picking up the certified mail I sent them on XX/XX/2020 and I only receive error messages when trying to file a dispute online.

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