BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-03-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i opened a credit card with XXXX XXXX Bank about 2 yrs ago and when I tried to use the card, XXXX XXXX told me that the card that I had was cancelled and they sent a credit card to another address. They sent it to a person that is fradulent and has been using my information about about 2 years. I believe they live in the XXXX XXXX. I have sent the collections company the police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Approximately in Mid XX/XX/XXXX, I requested from my mortgage company, Movement Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, a review of the PMI after completing extensive renovations on my condo I purchased in XX/XX/XXXX. The renovations were extensive and a complete gut out. At the time of original purchase, the estimate for this condo returned $ XXXX approximately in XX/XX/XXXX. We only put 10 % down knowing a full renovation was going to be done, we were ok with the PMI insurance. Fast forward to now XXXX XXXX, XXXX, a Broker Price Opinion ( BPO ) was requested by Movement to reasses the condo ( ocean front/water front in the prestigious community of XXXX XXXX XXXX ). The estimator was egreciously wrong in the estimate and used properties to compare that did not meet the standard. The new BPO came in at $ XXXX, essentially indicating that over XXXX in renovations only garnered an increase of {$4000.00} and on top of the raising costs of home evaluations in 6 months. I emailed Movement Mortgage ( in response to their email - indicating that they could not remove the PMI because the evaluation came in at 84.8 % LTV and an 80 % LTV is needed to remove PMI ). Comps performed by my realtor came in as I can sell the property today at {$530000.00}. I believe the estimator/evaluator is wrong and Movement mortgage is continuing to perpetuate the PMI with these estimates that are not accurately fraudently collecting PMI when its not necessary. I've asked for another estimator to review and I appealed the original BPO. I have not heard back from Movement Mortgage since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: AES/PHEAA
State: CA
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:
Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: JPMORGAN CHASE & CO.
State: VA
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:
XX/XX/XXXX My spouse contacted Chase about return of her misdirected bill pay payment of {$1800.00} to Chase.com. It was intended for our mortgage company - not Chase. Our balance owed to Chase was {$50.00} or so and was paid separately.

Repeated calls to Chase- with long wait times often more than 30 minutes- yielded conflicting and unhelpful replies about correcting the repayment. Including that our bank XXXX XXXX needed to send documents to Chase to facilitate the correction which Chase reps said were received on XX/XX/XXXX. 

XX/XX/XXXX Chase advised an electronic refund payment would be made to our checking account at XXXX XXXX within 3 to 5 business days. 

XX/XX/XXXX Having received no payment, we called Chase again. Rep, XXXX XXXX told us that payment would be sent to XXXX XXXX by XXXX. that day. 

XX/XX/XXXX According to XXXX, payment was still not received. We called Chase. The rep advised that the bank had no detailed record of our calls, including that payment was due to be sent by XX/XX/XXXX, even though other reps assured us that a record was being logged. This rep said we might receive email notice within 72 hours about a means to facilitate a " good faith refund '' by electronic transfer. If no email is received, a paper check would be sent to our residential address within 10 days. 

The rep added that this step indicated a failure with Chase 's error correction process and noted that we were filing a complaint with Chase for same. 

In addition, our bank, XXXX, was not supportive in working to correct the error despite promises to work with us and Chase. 

At this point, Chase will have wrongfully had our money for more that 30 days. We find this unconscionable as this far exceeds any balance otherwise owed to Chase. They have no right to the payment. It was a mistake. They are at best incompetent in resolving this and worse negligent maybe even willfully so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Had Identity theft around or during time frame of said account. midland collections will not what so ever send any forms /paperwork to me when said account was open with credit XXXX with my signature that can prove that I did such a thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: Navient Solutions, LLC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have a student affiliated loan that is governed by Navient. I understand that Navient is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to Navient so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received this email : Please see below. 

Lawsuit Bureau of Consumer Financial Protection, et al. v. Consumer Advocacy Center , Inc. d/b/a Premier Student Loan Center, et al. 

***Do not REPLY to this email. If you have questions, send them to XXXX. 

You appear to be a customer of one of the student loan debt relief companies identified below. These companies have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations. 

We recommend that you immediately contact your student loan servicer about the status of your student loans. A list of approved student loan servicers can be found at the U.S. Department of Education Student Loans Website : https : //studentloans.gov/myDirectLoan/additionalInformation.action. 

The Receivers office has set up a webpage with additional information about the lawsuit. https : XXXX. We will post updates on the website as the case proceeds, and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver gets many emails with questions from consumers. We can not respond to each inquiry separately, but will update the FAQS as questions come in. In the meantime, we again stress that you should contact your loan servicer. 

The Companies which have been sued : XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX ; Some of the other names defendants used include the following : XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX, 2016 CITIBANK STATED IN WRITING THAT I HAVE AN EXISTING CREDIT CARD ENDING IN XXXX FOR WHICH I FILED BANKRUPTCY OF WHICH IS FALSE, THEREFORE THEY REFUSE TO APPROVE ME OF A XXXX VISA CREDIT CARD. CITIBANK HAS FAILED TO PROVIDE PROOF THAT THIS CREDIT CARD EXISTS FOR WHICH I AM REQUESTING THATTHE BANK PROVIDE ME A COPY OF THE ACTUAL CARD AND ANY BANK STATEMENTS RELATED TO THIS ACCOUNT. 
IF CITIBANK CAN NOT PROVIDE ME THE PROOF I AM REQUESTING THEN THEY BASCIALLY LIED BY PROVIDING FALSE INFORMATION IN A WRITTEN LETTER THAT THEY SENT TO ME WHICH IS TOTALLY UNLAWFUL.

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 2022-02-27
Company: American Credit Acceptance, LLC
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:
For almost a year and a half I have submitted my payment biweekly from my bill pay to where the funds are deducted from my account and issued to American Credit Acceptance within 24-48 hours. I have repeatedly had late payments placed on my credit report to which had greatly diminished my credit score. I have contacted the institution to resolve the matter by sending copies of bank statements reflecting payments being deducted from my account and issued to the institution on my behalf. The most recent interaction was on XX/XX/XXXX and again from my credit union to which i have received emails stating the institution is refusing to communicate with them. In XXXX and XXXX of XXXX multiple payments were issued and posted outside of the date they were received and I have multiple documents from my financial institution detailing such. The payments were posted to the account two and three weeks after received. 

When i make payments online I continue to receive alerts that my payments are not made when i have confirmation numbers and proof of funds being recieved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Experian Information Solutions Inc.
State: NY
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 have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request roughl y 4-5 mo nths ago and have not heard back. I have called multiple times only to be bounced around departments wit h no one able to g ive me any information or answers. I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Synovus Bank
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with XXXX a division of Synovus. I have been a customer of theirs for almost 5 years now and have never had an issue until this month. In the end of the month of XXXX 2016 I was assessed several overdraft fees that I should not have been charged for, as I had a positive balance. After calling and speaking with a supervisor, they refunded half of the service charges. Then again at the end of XXXX 2016 I was assessed XXXX overdraft charges, and XXXX of them were in error. After calling the customer support center again, they only refunded one of them instead of both. This is becoming a problem that has already cost me over {$100.00} this month. As I said prior, I have been a customer of theirs for several years and just started having these issues this month. After speaking with them today, they told me that they would no longer refund any overdraft transactions, including if it was an error on their part. Being a consumer, this made me very upset and is the reason I have decided to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my escrow analysis XX/XX/2016 stating there is a shortage in the amount of {$270.00} and if made in full by XX/XX/2016 my mortgage payment would be {$950.00}. I made four payments in the amount of {$70.00} totaling {$280.00}, final payment received by Chase was XX/XX/2016. I have made three ( 3 ) calls to the customer service area trying to get this corrected as they have applied the escrow payments to everything but the escrow account. I received a statement XX/XX/XXXX stating my payments were {$970.00}, this was paid, then I received another statement XX/XX/XXXX after the 3rd call stating the payment amount starting for XX/XX/2016 will be {$960.00}. For the next 11 months there is a difference in favor of Chase of {$150.00} from what my escrow statement stated my payment of {$950.00} should be once the {$270.00} shortage was paid. Every year my escrow is short and I can never understand why, I make the additional payments through out the year and the funds never seem to add up. I am requesting assistance in getting this corrected as I do n't seem to be getting anywhere with the customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Experian Information Solutions Inc.
State: IN
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:
This is my third attempt to explain precisely what the issue is. Previous complaint # XXXX was closed. I will elaborate. 

In XX/XX/2016, my small business opened a Credit Card with XXXX XXXX. This is a business account, not a personal account. The business is an LLC, and has all necessary documentation filed with the state as well as a EIN # for tax purposes. It should not be on my credit report. Experian and XXXX will not remove this business account from my credit report. XXXX XXXX removed it from my report without resistance. 

I did not agree to a personal account, I specifically asked the agent on the phone for a business card. I was assured by the agent at XXXX XXXX that this was a business account, not a personal account. Repeated inquiries to XXXX XXXX were made after the account was opened, and I was assured over and over that this is a business account. the credit reports ALSO list it as a business account. I do not understand why it continues to be tied to my personal credit report. I would like to know the truth as to why this remains on my credit report. Was a misled into a credit product that is actually not a business card?

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 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I submitted a dispute letter to remove the incorrect addresses being reported on my credit report. They have not been removed.

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