BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 requested an investigation with Transunion for the XXXX XXXX collection account around XX/XX/2022. They responded back with a letter on XX/XX/2022 saying the information reporting was VERIFIED as ACCURATE. I requested that the account be deleted because the info was NOT ACCURATE. XXXX funding has been reporting this bad account information for the past 3 years and it has had and still have a negative impact on my score. I do know that a collection agency should not be reporting a PAST DUE amount at all. And i never received a letter from this company when they obtained this account prior to them reporting this information to my credit report. That is a violation of the FCRA and FDCPA. And because of this unfair reporting i have been denied credit with certain companies over the years as well. Please have them delete this account PERMANATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am filing this grievance as I created an account to monitor my credit and see that I have been impacted with a 30-day late from XX/XX/2022 which has dropped my scores close to 100+ points with the credit bureaus. My frustration and the purpose of this compliant is due to the fact I changed my bank account information online which apparently did not save, hence creating the issue with the payment. I tried reaching out to customer service but it was impossible to get a live person. I reached out via the chat feature which was of no help at all, so I gave up and made a manual payment, problem solved. So I thought. I enjoy the use of my PayPal account and have had it open for some time with no issues. I take my credit obligations very seriously & feel I have displayed that I am not a credit issue customer who is negligent with my account. I would like the XX/XX/2022 30-day hit with the credit bureaus reversed due to issues with the online account and customer service availability. Thank you.

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 2015-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Was a victim of identity theft, someone opened an account, in another state, with XXXX using my name & my ss # on XX/XX/2015. On that very same day happens to be the very same day I last logged in and obtained my credit report from free credit report XXXX. The issue with XXXX has been corrected and they have supplied notice via email attached. 

I was taking the further step of installing credit freezes, starting with TransUnion. On the TransUnion web site they indicate as a victim of ID theft I was entitled to placing a freeze though their site free of charge as a victim residing in Mi. 

I was charged {$10.00} and supplied a reciept. I contacted customer service at TransUnion, they indicated that there was no freeze in place and they had no record of charging my account. I offered to supply the receipt and copy of charge showing on my credit card, they issued a Ref ID # XXXX and a phone number for a supervisor ; XXXX XXXX XXXX. 

I have made repeated attempts ( XXXX ) to contact, leaving messages with all contact information ref # etc. I can not get a response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XX/XX/2016 ( {$1600.00} ) XXXX XXXX XXXX ( {$2400.00} ) ( XXXX ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX ( {$520.00} ) XXXX XXXX XXXX XXXX ( {$240.00} ) ( XXXX ) XXXX XXXX XXXX  ( {$17000.00} ) XXXX XXXX Account # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} Equifax : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Port Folio Recovery Associates- Harassment They have continuously call me at least 3 to 4  times a day from various numbers. Sometimes it is from an unknown number, but now they have representatives using their own personal cell phones. They call and immediately hang up. Once you call back, they will identify themselves to discuss a debt, but will not answer your questions. I tried contacting them at XXXX and the representatives are just as rude. Their immediate response was they have not call my number since XX/XX/XXXX. DO NOT TRUST THIS COMPANY!!! This company is relentless!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Attorneys XXXX, XXXX, and XXXX, in behalf of PORTFOLIO RECOVERY ASSOCIATES, made a false statement that I had been properly notified about a court action regarding a debt they claimed I owed. ( It stemmed from a XXXX XXXX for my granddaughter, XXXX XXXX ; they claimed that I co-signed. I did not. ) They said I had been properly served. I had not. Since I had not been notified, I did not appear in my own defense, so thy won a judgment. ( XX/XX/XXXX ) and placed a lien on my property without my knowledge. They did not notify me in any manner. I did not fin out about it until I applied for a property loan in XX/XX/XXXX. Part of the troublesome path I have been through is that PORTFOLIO and two law firms : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX who represented PORTFOLIO at various times stall and waste time blaming each other. I first filed this complaint against XXXX XXXX, XXXX XXXX XXXX because your question asks who notified me of this debt. They responded to you acknowledging my situation but said it was the fault of XXXX, XXXX, and XXXX. So I filed against XXXX, XXXX and XXXX. They responded to you acknowledging my situation but said it was the fault of PORTFOLIO RECOVERY ASSOCIATES. So I am now filing a complaint against PORTFOLIO. 
I got a lawyerin XX/XX/XXXX, who won for me ( Order Vacating, Voiding, and Holding for Naught Judgement Lien that has been filed with Registrar of Deeds. Also a judgement for lawyers fees. I can not afford to purue collection. Now a lawyer tells me there is a two/three year statute of limitations to sue them. I can't collect the judgement because the cost is prohibitive. 
XXXX, XXXX, and XXXX won in court without proper serving. ( They said I had been served by leaving information with my granddaughter, XXXX XXXX, at her house in which I had never lived. 
They filed a lien for {$7100.00}. The Court has awarded me {$1900.00} by order of XXXX County judge, XXXX XXXX. I have suffered other financial damages because of being denied a loan from my bank. I have suffered other damage because of the time and stress in trying to deal with this series of events. I have documentation for all these activities, but I do not know how to attach them It is all on hard copy because my computer blew and the electronic file went with it! The company ( at least their lawyers ) has received all the material either from me or my lawyer. I have 43 pages of documentation, if the company wants to see any of it, I can mail hard copies to them..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX age XXXX I am an XXXX with income over XXXX per year. My credit score is XXXX with all three credit agencies. In XXXX 2016 I responded to an offer by my existing bank Bank of America to refinance my existing HELOC loan on my owner occupied residence. I provided BofA with every document they requested, that was almost XXXX pages of my personal financial information. Keep in mind this was not a request for new credit but an application to refinance at a lower interest rate that would save me approximately {$300.00}. per month. The loan underwriter went into a process of imputing thousands of dollars in monthly phantom expenses, and disregarding real dollar income. She ultimately declined the application stating that I had insufficient income to meet my obligations. Completely ignoring the fact that I have made every payment on this loan and every other obligation every month in full and on time for over 30 years. Attached are documents supporting these assertions. You may make this statement public but please do not publish the attached documents.

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 2016-02-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Sallie Mae is reporting XXXX paid and closed account. XXXX consolidated paid and closed account and XXXX open account that I am making payments on and they are refusing to remove the paid and closed accounts because they know that it is affecting and ruining my credit. There is no reason for these accounts to remain on my credit report. I have requested these paid/ closed accounts to be removed as there is no reason for them to still be reporting and on my credit report. They are paid and closed. Why XXXX refuses to remove them is beyond me. Maybe because they are a government agency who is dead set on ruining people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I filed a claim with XXXX XXXX in XXXX because I was not able to pay the bill due to being XXXX. I updated my address, but never received anything from them. I explained this to XXXX XXXX  multiple times and updated my information with both companies, yet I didnt receive any paperwork until XX/XX/XXXX. I have been harassed every single day multiple times a day since XXXX, even after I asked for them to contact me only through mail. On XX/XX/XXXX, I spoke with XXXX XXXX with XXXX XXXX  and explained my entire situation and she offered to place me on a hardship plan. That was never offered before. She wanted me to check with the insurance company first to see if they would still cover my debt and follow up with her on Monday, which would have been XX/XX/XXXX. She verified my phone number and also my mailing address and assured me that I would not be called again. I was contacted by XXXX XXXX  at least 10 times between XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX, a distant cousin sent me a detailed voice mail message from XXXX that was left on her answering service for me threatening to take legal action. I dont understand how my family member was contacted about my personal business, but to get that message from them was humiliating. I have never given anyone permission to contact my family or anyone other than me. I need this rectified immediately and because of the inconsistencies with this company I want the debt erased. I am XXXX, waiting to resolve my XXXX and I am unable work. I lost my house and have not been able to pay my bills ; this is stressful in itself. My XXXX is both physical and emotional, so when they constantly call and harass me, threatening me after Ive explained my situation MULTIPLE times, it causes me even more stress. I am highly disappointed in XXXX XXXX and feel that they have violated the Fair Act Collections Practices Act in contacted me and relatives leaving detailed messages about my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was in default, a company set up a payment plan and told me once I was out of default the place that bought my loan would contact me and I could keep my {$5.00} payment. This never happened. When I was caught up Navient had my loan and put my payment at over {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.

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 2016-07-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received a private loan through Navient. I have paid every month without fail up until I had XXXX extreme changes in my life.!. I went back to school to better my life. 
2. My husband a military vet. passed away while under the care of the Va hospital. I have maintained constant contact with them. I have provided them with the proper documents stating I was a XXXX XXXX XXXX and was unable to make payments. However, when I came to visit my mom in Maine she brought to my attention threatening letters from navient saying that if she did not call pay them she would be " ruined '' financially. I then called and was transfer between XXXX people. One said I had no record of an account with Navient, One said I was 90 days past due and one of the final woman named XXXX found all the paperwork I had sent it was mysteriously disconnected at the moment she noticed. When I returned the call she was " gone '' for the day. ( all of this is recorded on my phone ). I have been lied too and made to think I was receiving a deferment while in school then slapped with 8 months of interest. Totaling XXXX. On the occasions I spoke with them four and two months ago, there was no mention of this. When I asked I was told they were not required to tell me by law it is a courtesy to make someone aware of their current standing with them. Again all recorded, If there is anyone who can help me please contact me as I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

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 2022-05-31
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: Information belongs to someone else

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. I sent a letter on XX/XX/XXXX to remove the inaccurate personal information : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accounts XXXX XXXX XXXX  XXXX Balance {$0.00} ; XXXX XXXX  XXXX XXXX Balance {$530.00} ; XXXX XXXX  I XXXX Balance {$500.00}, and inquiries : XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX/XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX, and I am including them again.

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 2015-10-13
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: Green & Sons Agency, Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Outsource Receivables & XXXX are both reporting the same debt and attempting to collect the same debt. They are in violation of the FCRA. 2 creditors can not collect on the same debt at the same time. I have been disputing this for months and they all claim it is valid! This is affecting my financing and my attorney agrees. PLUS THE DEBT IS PAST THE STATUTE OF LIMITATION ON THE COLLECTION OF DEBT.

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