BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was assessed a XXXX sustained overdraft fee because I could not deposit enough money to bring my account back to XXXX} within four days. I will be assessed another XXXX} sustained overdraft fee at seven days, and another XXXX} at 12 days. That will be XXXX, plus the original {XXXX} overdraft fee, bringing the total to XXXX for one mistake. I see there is already a class action lawsuit against Citizens Bank for this practice, because they are not providing any services for these sustained overdraft fees, and it is many times higher that than maximum interest rate banks are allowed to charge. At the time of the class action lawsuit, there was a XXXX  sustained overdraft fee for every day the account remained overdrafted, with a cap of XXXX. Their new policy is twice as bad as the one that led to the lawsuit to be initiated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have an FFEL spousal consolidation student loan with my ex-spouse with Navient. When we were married we consolidated our individual government student loans in XXXX into this joint consolidation loan with Sallie Mae at the time. We divorced in XXXX and I have continued to make the monthly payments on the loan to keep it in good standing, however my ex-spouse has refused to pay anything towards the loan. We are also not on good speaking terms regarding financial matters. I have had financial difficulties in the past making the payments myself and therefore Navient/Sallie Mae at my request put the loan on an IBR plan with low monthly payments. During this time the interest continued to accrue substantially because of the large principle balance of both mine and my exs loans. Now the balance is larger than what it originally was and I feel that I can never pay it off alone. It has been 22 years since we signed for this loan, I have attempted many times to work with Navient to forgive some of the loan debt but they will not work with me. I have also reached out to local congress members for help but I have not had any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX maintenance maliciously placed a {$5200.00} amount on my personal credit report with TransUnion. They have NO supporting documents or any evidence or me owing the 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 non-monetary relief
Consumer complaint received 2020-08-03
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 fraud alerts or security freezes

Complaint:
I have been trying to unfreeze my credit with Experian for over a year. I have repeatedly tried to get in touch with an Experian representative, but I have only been met with an automated system for all the customer service lines. After trying online, and sending my required proof of identification documents to the address provided : Experian Security Freeze, XXXX XXXX XXXX XXXX TX XXXX, I have received no update or reply. My credit remains frozen.

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 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified accounts 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 2015-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My TransUnion account is showing a " new employer '' on my list that I do not work for. I have had the same job for years, nothing new should be appearing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
pursuant to the FCRA and The FDCPA these inquiries constitute misrepresentation because i do not recognize them listing as : 15 USC 1692, 15 USC 1681O ( A ), 15 USC 1692K they as in XXXX XXXX, EXPERIAN, XXXX, and XXXX are all in default of these {$1000.00} violations of my federally protected consumer rights.

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 2022-04-21
Company: EQUIFAX, INC.
State: FL
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 Disputed accounts on my credit report that were NOT ( validated ) or 100 % accurate as I look over my Credit profile they are still reporting these fraudulent accounts I also filed a report with the XXXX and a XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
disputed a bankruptcy that is listed on my credit report. It has been over 7 years and they continue to list it on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX IS REPORTING AN ACCOUNT ON MY CONSUMER CREDIT PROFILE WHICH HAS BEEN PREVIOSULY DISPUTED AND INVALIDATED. THE FURNISHERS OF THIS INFORMATION ARE ATTEMPTING REREPORT AN INVALID DATE. PLEASE FIND ATTACHED A SCREEN. PLEASE FIND ATTACHED AS EVIDENCE A SCREEN SHOT OF THE ACCOUNT IN QUESTION ON MY CREDIT REPORT WITH THE INFORMATION THAT NEEDS TO BE DELETED HIGHLIGHTED. ALSO FIND ATTACHED MY COMPLETE CREDIT REPORT FROM XXXX. ALSO FIND ATTACHED THE LETTER WRITTEN FROM ARS TO ME WITH CONFLICTING ACCOUNT NUMBERS. this is costing me a lot of money and it is a violation of my rights under the FCRA guidelines. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I HAVE NOT CONDUCTED ANY BUSINESS TRANSACTIONS WITH THE FURNISHERS OF THIS INFORMATION. DELETE IT IMMEDIATELTY. 

ARS XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$55.00} Date Updated XX/XX/2021 High Balance {$55.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: United Resource Systems, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i worked for a the XXXX and was under a contract for a term or 8 months where i worked XXXX, XXXX. On my final month out, i was routed back to my home XXXX in XXXX and was neither given a reason why nor a return day to work. i contacted my dispatch the following day and was given no return day. This took place in the last week of XXXX XXXX i applied and currently work locally in XXXX and was not contacted by the company until 2015 where i received a letter that they would like me to return to work for them. i do not wish to return to work for a company that decided to abandon its employee nor do i have the luxury to abandon my current post just to serve a couple days that i would have finished back then. they wrongfully and with no good reason sent me home and are now trying to charge with a ridiculous amount of money for training they never did. i served my time and made them plenty of money. i wish for them to remove whatever debt they claim i owe

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Seterus, Inc.
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have submitted the application through my servicer " Setrus Inc '' in late XXXX and verbally offered loan modification with the same rate in XXXX XXXX ( Note that, we did n't received any formal offer letter by post at all ). As the monthly payment amount was not reduced, we will be continue in a hardship situation. Immediately know the news, we wrote appeal letter dated around XXXX XXXX asking for further review. I did made a few calls to XXXX the status but up to date, we still have n't got any response from Setrus Inc and XXXX XXXX, but not much response from them. 

Around XXXX XXXX, we got a call from XXXX XXXX from XXXX Help Center ( Network In Partnership with XXXX Tel : XXXX ). We had an interview with her and again, we did the application from them as well around XXXX XXXX. 

Recently, our tenants stop paying rent when they receive the court documents and we are currently have to go through the eviction process and also incurring property damages which leave us big repairing bills. Due to loss of income, our payment plan also missed a few months with HOA. Our hardship continues and also more worries. 

We will try all the possible options to prevent the home foreclosed and we are fighting against the time for the in progress on FORECLOSURE CLAIM. Further delay for review the application will put more burden on us as all the legal fees will be added up very quickly and we have difficult to rent our home as when tenants know the home in foreclosure situation. 
We are currently work overseas due to the current job situation and be relocated. This will be our main home when we will back to XXXX to live and we are willing to try all the possible assistance to prevent loss our home. We are prey for the help and prey to give us a trail chance to keep the home. 

Time is quickly running out and we are extremely worried when check the court case progress status at Summary Judgement Stages. However, I was told the case is still the review stage and It has been in this stage for over 10 months now without any further progress and also no letters from them! 

your urgent help on this matter will be greatly appreciated. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The process with Cross Country Mortgage began in XXXX XX/XX/2021. We applied for a homestyle refinance and had initial disclosures bring our payment to XXXX a month. We discussed how to get the payments lower to around XXXX. My loan XXXX XXXX XXXX discussed a one time insurance payment option that would lower it. Throughout this process interest rates continued to rise and XXXX refused to lock in my rate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the point where he could not remember phone conversations that we had. Staff from cross country went on vacations or did not want to speak with me. In fact XXXX XXXX during one conversation that lasted 10 minutes stated. " Well this is 10 minutes of my time I will not get back. '' We moved out of our house to a temporary apartment on XX/XX/XXXX with the understanding we would be closing shortly after. It is now almost the end of XXXX. We have not closed and no renovations have begun. I have lost out on thousands of dollars renting this apartment with no work being done. We will have to extend the lease if even possible which will cost more. Our monthly payments for our mortgage have grown to XXXX a month which is outrageous because of interest rates and the fact that lumbar costs went up due to the mortgage company taking so long. On top of that they had to switch our program to a XXXX FHA loan instead of the homestyle refinance because of a lien on our house that they originally said could be paid off through the homestyle refinance but then just 2 weeks ago said it couldn't and so we needed to switch the type of loan in order to have no money at closing. I can not continue to live like this. This process has caused me to experience XXXX XXXX XXXX ailments to due to the stress. I have emails and text messages about everything. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 explanation
Consumer complaint received 2016-07-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company bought out payday loan. But they are threatening legal action, making repetitive calls, calling people i know that are listed nowhere on the loan and asking for my address while threatening legal action. Abusive language " stop hiding stuff from your husband '' " stop hiding behind that mute button ''. Also wont provide their address for cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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:
My cards were stolen and unauthorized charges occurred on multiple accounts. I suspected it to be a drug addict family member and I did not press charges

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 2017-11-08
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My account was not overdrawn and yet I have been charged a XXXX} overdraft fee. TD Bank is currently fighting a class action lawsuit for their fee behavior and I have say I 'm very disappointed with their poor behavior toward my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX   XXXX ,  XXXX , my mortgage was modified b y Ocwen Loan Servicing, LLC. Since then, I have  been paying {$2600.00} of which {$1800.00} was for principal and interest and {$760.00} was towards my escrow account. This is the amount that was reflected on my monthly mortgage billing statements. It has always been my understanding that ou r HAMP m odification included both taxes and insurance.     However, on  XXXX   XXXX ,  XXXX ,  Ocwen noti fied me that my payment was increasing from {$2600.00} to {$4700.00} beginning  XXXX   XXXX ,  XXXX . This payment shock is causing me extreme hardship.     I believe that  Ocwen gr ossly mishandled my modification and escrow account. For   two and half years they did not properly escrow my loan, which created severe deficiency on my loan. I have made several attempts to reach a solution for a such a large deficit in the escrow account.
Most recently, Ocwen informed me that they will only accept a full reinstatement and will not be accepting monthly payments any longer from me. I feel Ocwen   's negligence and unfair business practice is driving me into foreclosure and to displace my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} 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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
They have since day one abused Me as a consumer, they have taken more out in escrow and refused to correct it even after I showed proof. The recently they reported me late and stated in XX/XX/2014 they were starting foreclosure even though I was in a bankruptcy. This is inaccurate information and I have asked to have it changed and they have refused

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a fraudulent account on my credit report, the XXXX have already satisfied this negative remark on my acct as being paid off, please remove this, also a XXXX should n't be on my report, another fraudulent activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/XXXX, I discovered that this information had been reinserted into my credit file after previously being deleted. I was not contacted by the Credit Reporting Agency, Equifax nor had I received any correspondence. I have been keeping up with my credit file and attached is the screenshot of the removal XX/XX/2016. I disputed this issue with Equinox through fax and was given XXXX case numbers but the only issue " verified '' was about a student loan that they claim was in a bankruptcy case and I HAVE NEVER ever filed bankruptcy nor was that my current dispute so I am at my wits end and did n't know anything else to do to handle this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX TransUnion and XXXX. They have NO supporting documents or any evidence of me owing the 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 non-monetary relief