BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-12
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Had several cards for years through GE Capital. Cards were moved over to Synchrony without my knowledge. Have always been a good customer. Paid bills on time and never late on my payments. Soon as Synchrony took over they dropped my credit line down to the balance on each card, along with increasing my payments. This has dramatically affected my credit score from XXXX to XXXX. Basically I am financially ruined. I put this complaint in to your org last year. I see that there was legal action taken. I have not recieved any compensation for there illegal activities. Last year you informed me that nothing illegal was being done to me!!!! I want this issue resolved. Today you even refuse to give me my complaint #. You sent me to calling XXXX etc ; I have spent XXXX hours today triying to get some help. It seems like nobody wants to take the heat for the action they took on my complaint. I wish for someone to review my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: Flagstar Bank, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I currently have a mortgage with Flag star bank, my XX/XX/XXXX payment was late reaching flag-star on XXXX/XXXX/15. I 've had this loan for over a year now and it 's the first time my payment was late due to personal issue. I 'm currently current with all other payments, just received notice that my loan is going to be service by XXXX as of XX/XX/XXXX. I have no interest for my loan being transferred over to this company, who can I address this issue with. I just looked up this company and nothing but horror stories have been posted. How can I avoid my loan from being transferred..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a home and closed in XXXX 2016. Our lender had an appraisal done on XXXX/XXXX/16. Our lender was Crosscountry Mortgage Inc. We knew going in that we could only put down XXXX % but as soon as we sold our other home we would put down another XXXX % to remove PMI. We were ready to do that within 1 month of our purchase ; however, Crosscountry sold our mortgage to XXXX and their " guidelines '' state that they " may '' request another appraisal. Since we just had an appraisal we thought common sense would indicate that our original appraisal would be sufficient and that was our understanding going into the process. Now our servicer ( Crosscountry ) is stating that XXXX wants another appraisal and there is nothing that they can do. I call XXXX and they blame it on Crosscountry. We are stuck in the middle. Crosscountry says it 's out of their hands. XXXX says if anything can happen Crosscountry would have to escalate it. We are left with no one to help us. This is despicable. I ca n't believe big banks and large companies can take advantage of consumers like this and then pretend like there 's nothing that they can do. Rather than attempt to help each company just blames it on the other. The last rep I spoke to with XXXX ( XXXX ) just read me their guidelines and kept saying " if it 's in the guidelines ... .if it 's in the guidelines. '' I guess the guidelines mean that common sense is out the window.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed using PayPal. I made a request on XXXX for concert tickets. I was texted by someone who offered me 4 tickets for {$130.00}. I accepted and they gave me their email to wire the money to saying that they would send the tickets electronically to my email. They never sent the tickets but accepted the money I sent. They stopped answering my text messages too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently investigated my credit history because every I apply to get one I 'm denied for the following reasons : -derogatory public records or collection filed -Insufficient length of credict history -Proportion of revolving balances to revolving credit limits is too high -Recent derogatory public record of collection -Number of recent inquires on consumer report My question are What does this mean? 
How can I fix all this so I can cleanly build my credit? 
How to prevent this affecting me.? 
Why I get a pending account in collection and I was never notified of this amount?

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 2017-03-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was never notified as the co-applicant that payments where late. 
My son XXXX XXXX who has XXXX tried on a number of occasions to resolve this issue. He spoke to representative name XXXX @ XXXX she never offered XXXX any type of alternatives to keep the car. Only to pay the balance in full, he tried on several occasion try to explain to her that he worked for a hotel and during the summer months his hours are cut in half. Because of his XXXX it is hard for him to find work and explain himself over the phone. I wish XXXX would have contacted me about the loan I could have helped solve the issue. Understand XXXX was trying to handle this issue on his own, but when someone has no compassion or respect for someone with a XXXX it is hard. 
I feel that if XXXX would have showed some amount of concern or compassion for XXXX or valued him as a client and appreciate his business he would still have his car. She never offer to move his past due payments to the end of his loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to work with my lender on a loan modifcation and they are refusing to review my loan for a modification. I have a FHA loan and they are advising me that my packet had to be sent to them XXXX days before the forelclosure but i didn ; t even know i had a foreclosure until 1 week ago. Also i did not receive the foreclosure letter until XXXX XXXX, 2015 there was no way for me to send the packet in XXXX days before the foreclosure when i did n't know there was a foreclosure until XXXX days before the scheduled date. Please help me keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX XXXX XXXX XXXX XXXX Courts XXXX. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
CHEXSYSTEMS ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS.

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 2015-07-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Wells Fargo has been harassing my wife and I over the past year. We are crippled by this debt. When we told, we could not make the high payments, first they suggested consolidating the loans. After consolidation, the payments became even higher. Then, we asked to have them unconsolidated and they refused. it took several phone calls. Also, my wife gets calls almost daily just letting her know a payment is due. The loan has been deferred since she took some classes. They have called her and our mother in law who is the cosigner. The information is inconsistent online and who you talk to in person. and you just get the run around. Today, I was about to make a payment and they refused to take it. They said it has to be a bank card. This was my last straw. I offer to pay the money and you refuse to take payment. This has been a huge nightmare, and this vendor should be barred from taking on student loans. My wife even was diagnosed with XXXX and is not able to work full time. Still, they wo n't offer any relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I subscribed to XXXX for several years in my XXXX XXXX, XXXX, rented townhouse. In XX/XX/XXXX I decided to move my home/office on XXXX XXXX of the same year. For XXXX months I asked XXXX multiple times for a way to return their receiver to them when I left but received no response except I would need it when I found a new place to live. I had much to do and no time to argue. I left the satellite dish on top of the unit and returned the t.v. and telephone modem to XXXX, but XXXX XXXX had still not revealed where their receiver could be sent, though the account was closed. So I put it in the back of my car. XXXX months later ( the time limit to re-attach the receiver was over ( XXXX XXXX ) and I still had no fixed address. In XX/XX/XXXX I tossed the receiver in a garbage can in XXXX, XXXX as I headed northeast again. Someone found it and returned it to XXXX for shortly thereafter I started getting e-mails from them about a balance owing, but by the time I 'd moved into a long-term rental they had already decided I owed them {$480.00} for a non-account and reported it as unpaid and overdue to XXXX in XXXX, XXXX. This is now on my TransUnion credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX. Address Identification Number : XXXX Status : Collection account. {$640.00} past due as of XXXX XXXX. Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : XXXX XXXX XXXX XXXX Tv was taken off my credit once ) XXXX. When I XXXX came to XXXX we lived in XXXX at XXXX XXXX XXXX south XXXX. This company is a scam fest. I had XXXX XXXX but was always paid on time. If they would have checked my original drivers license they would see that my XXXX XXXX had my XXXX drivers license on it because we bought a car XXXX XXXX new ) and used the XXXX address on the license. If the would have checked the XXXX they would have seen that. Our port of entry was XXXX XXXX and is why we were there. We stayed at my XXXX house XXXX XXXX XXXX for XXXX weeks before I got license and then could travel. 
I have paid all my bills on time and these people are XXXX that just threaten your credit to make you give them money. 
XXXX XXXX : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Number : XXXX Creditor : XXXX XXXX. 






Address Identification Number : XXXX : Collection account. {$640.00} past due as of XXXX XXXX. 



Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 





Date Opened : XXXX Since : XXXX of Status : XXXX Reported : XXXX Type : CollectionTerms : 1 MonthsMonthly Payment : $ XXXX : IndividualCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX have lived in XXXX since the end of XXXX and do not appreciate their slandering meCredit Limit/Original Amount : $ XXXX Balance : NARecent Balance : $ XXXX Payment : $ XXXX XXXX History : Collection as of XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I was listed as an authorized user the account is not in my name. I have contacted XXXX and they said they have by law up to thirty days to investigate. I never used the card or signed for anything and now the account is closed showing I am an authorized user only.

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 2015-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
After reviewing my TransUnion credit report, I immediately noticed something in my Public Records section of my TransUnion credit report reporting incorrectly. 
Below is information regarding the following Public Records item I would like to have permanently deleted from it is reporting to my TransUnion credit report in error. TransUnion is reporting it to the wrong XXXX XXXX XXXX, XXXX.:1. Federal Tax Lien - Reference # - XXXX. This Tax Lien that is currently reporting to my TransUnion credit report is reporting to my credit report in error. This is the wrong XXXX XXXX XXXX, XXXX As a matter of fact, based on this lien 's record, XXXX is not even included. Nothing fully matches up except the fact that the name is similar but not mine. Nor is this my address that they have on record as well. I would like to have this item permanently deleted off of my TransUnion credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they refused.

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 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a XXXX showing the cancellation of the balance with my creditor. I disputed the information as instructed since it was still showing the full balance when it should now show as zero. I received notification 30 days later that they investigated and verified the debt. I then called them to see how that is possible since I provided the paperwork ( XXXX ). The agent said that they did n't review the paperwork since XXXX 's go to a different department. She said she would take care of it in light of the paperwork I provided but to this day, nothing has been done. I have n't even been given notification that they 're re-investigating it. They also removed my access to the website and I can not check the status. This would be the 3rd time I 've sent them verification that the debt was canceled by the creditor. Every other agency has corrected this information except for Transunion.

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 2015-04-10
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
OK back in XXXX XXXX i purchased a XXXX XXXX from Credit Acceptance for the amount of XXXX. Well now on XXXX XXXX they are trying to say i owe them still XXXX and here the problem they sent me a payment history sheet and i have added up all my payments and that has came out to be XXXX which that is XXXX more then what i was suppose to. Which i feel the XXXX is coming from the late payments they have added on which they were XXXX of those which that came out to be XXXX. Which they were XXXX of the late payments which they are XXXX a late fee. I have brought this to XXXX attention from Credit Acceptance again and she acted like it wasnt a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Keith D. Weiner & Associates Co., L.P.A.
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation