BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2019-12-27
Company: Credit Adjustments Inc
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The original consolidation loan amount in 2003 was for just over {$24000.00}. Fast forward through marriage, XXXX kids, multiple moves for job changes, LIFE. Repayment was off an on as I took time from work to raise children. My job is not high paying. Now the XXXX XXXX working with the government (? ) has garnished my wages, taking just over {$500.00} a month away from me. We already live paycheck to paycheck, and now I am not going to be able to pay my XXXX rent already. The debt they now seek for me to repay is over {$67000.00}. I am almost XXXX XXXX XXXX. I will be dead before they ever collect all of the money -- XXXX of which is compounded interest - but before that happens my children and I will be homeless and I will lose my job because of it. This is absolutely criminal. I can not believe they are permitted to do this.

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 2017-04-12
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XX/XX/XXXX I began XXXX school with a unsubsidized and subsidized loan. I was counting on Public Service Loan Forgiveness via the XX/XX/XXXX College Cost Reduction Act. Shortly after graduating, my loan was sold or transferred from XXXX to Aspire. I was set up on a " level '' payment plan- {$490.00} a month. I called Aspire repeatedly to make sure I was on-track for PSLF. Aspire 's phone staff/loan counselors assured me repeatedly year after year that I was on the right track and I just needed to keep making payments. At one point I had even inquired about income based rates and had been told if I deviated from the level plan I was on, I would lose loan forgiveness. In XX/XX/XXXX, my loan was transferred to XXXX. XXXX informed be that no payments I had made would be eligible for the PSLF, despite what Aspire told me. I called Aspire who tells me they shredded all my docs and everything went to XXXX, other than that they conveniently have no record of me. I am now out 10s of thousands of dollars that never went toward PSLF and I have to start all over again! I have paid approximately $ 40K! Had I been on an income based plan, I would have paid a faction of that before I was paid off. Aspire misled me and is now trying to pass the buck to XXXX. XXXX helped me by being truthful. Aspire misled me and cost me years and money! This is wrong!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX 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. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: OH
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:
After pulling my credit report, I found inquires that were not authorized : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: NY
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'm not gon na lie, I'm XXXX off!!! On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care Of. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt or inquiries are as follows : ( 1 ) XXXX XXXX XXXX  XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX XX/XX/XXXX, ( 3 ) XXXX XXXX MAZ XX/XX/XXXX, ( 4 ) XXXX XXXX XX/XX/XXXX, ( 5 ) XXXX XXXX XX/XX/XXXX, ( 6 ) XXXX XXXXXX/XX/XXXX, ( 7 ) XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( 9 ) XXXX XXXX XXXXXXXX ( 10 ) XXXX XXXX XXXX XXXX  XXXX ( 11 ) XXXX XXXX XXXX XXXX XXXX XXXX, ( 12 ) XXXX XXXX. I expect the CFPB to make them remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
BACK IN 2018, I WAS CONTACTED BY XXXX XXXX REGARDING A DEBT OWED TO ANOTHER CREDITOR, THE DEBT HAS BEEN PAID, YET THE COLLECTION COMPANY IS TILL APPEARING ON MY CREDIT FILES AS A NEGATIVE IMPACT.

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 2019-12-27
Company: Experian Information Solutions Inc.
State: CA
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 contacted all three credit reporting agencies to report identity theft/fraud on XX/XX/2019. 
XXXX XXXX removed the fraudulent charges - deleted XXXX XXXX XXXX - deleted XXXX XXXX XXXX - deleted XXXX/XXXX XXXX {$8700.00} I have disputed this charge 2 times. XXXX  states the charges " remain '' Experian Credit Reporting has not investigated this. I have not been able to receive any information regarding " What the purchase was '' " Where was the purchase made '' etc I have the right to this information. 

** I have attempted to contact XXXX XXXX XXXX 10-12 times and have been completely unable to speak to anyone on the phone. I have mailed copies of my police report to all three credit reporting agencies and to XXXX XXXX XXXX. No response what so ever. 

Please 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 non-monetary relief
Consumer complaint received 2017-08-23
Company: Pacific Union Financial, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Obtained SBA loan for which Chase Bank administers for a woman owned small business one year ago. In the past year, I have experienced on-going excessive fees, late charges, and payments not being appropriated properly. For example, applying a full loan payment only towards interest so that principal appears to not have been paid. Thus, incurring additional fees and charges. Interestingly, the payment is made on their Chase website and come from a Chase business account. They claim " a glitch '' in their on-line payment processing, but do not seem to resolve the matter after numerous call and hour on hold. Additionally, I have been harassed and attacked by their collections department, yet the loan has been consistently paid. I request a complete investigation as I feel their " glitch '' in payment processing is of fraudulent nature, thereby collecting excessive and unwarranted fees and additional interest from their loan customers. 

Please contact me for supporting documents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a debt Validation letter to company to I.Q Data international in order to Validate a debt they stated I owed.. In the letter of Validation I asked the company to provide me with a Signed copy of the agreement staying that I owe what they said I owe. i also asked company to provide me with the proof that they were able to collect in my state.. After request sent priority mailI, I.Q Data International responded with only a print out of charges that included a number that did not belong to me.. After receiving, I sent a followup letter to give them another chance of properly validating my debt as I asked but I have received no response of proper paperwork from them since and its been past 30 days since I sent the follow up letter priority mail..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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 2022-08-04
Company: SYNCHRONY FINANCIAL
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, we opened a checking account, in addition to our current high-yield savings account, but this account was only in my wife 's name. We transferred {$15000.00} total to this new account. This was done at the direction of the mortgage company to be able to gift funds for a relative 's home purchase. The following day, we scheduled a wire to the relative 's account. The bank called the relative and verified the accuracy of the account information. On XX/XX/2022 we received notice that access to both of our accounts was restricted ( no moving of money would be allowed ). The savings account is the account we use to pay our mortgage. After over three hours on hold, no one can release the restriction, tell me why the accounts have been restricted, or provide me with a better timeframe than 30-60 days for the review and release of the almost $ XXXX being held XXXX by the bank.

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 2019-12-27
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX I was charged for services by XXXX XXXX that were never rendered. I have attempted to resolve this issue with a simple dispute. I contacted XXXX XXXX, XXXX and Discover to let them know that I was fraudulently charged by a merchant for services not received. 

Although I have contacted them several times they have not resolved the matter nor given my a credit for this items. 

The charges are : XXXX XXXX XXXX XXXX XXXX + XXXX Discover XXXX These charges total XXXX. 

I reached out to XXXX for resolution because the credit card companies refused to resolve the issue. However, XXXX stated they are not responsible and the credit card companies have to resolve the issue. I also field a complaint with FTC based on XXXX telling me that the document the merchant provided was false and the transaction numbers have been altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The amount of {$980.00} was paid to XXXX. I did not receive any communication of debt owed to Enhanced Recovery from XX/XX/21 nor was I given the opportunity to pay the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The original debt was {$530.00} from Speedy Cash. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX  credit report. Now it's back on my XXXX  credit report from a debt buyer, XXXX XXXX XXXX with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo will delay and/or hold deposits ( " deposit pending '' ) and then bounce checks the same day that should have otherwise cleared had they applied the deposit. Then, they charge - actually they do n't charge, they take - a fee of {$35.00} per check ( which is actually usurious interest ). In my most recent example, XXXX checks totaling {$100.00} were bounced resulting in {$70.00} in fees. This is wrong. Sure, I made a mistake. And when I was emailed by the bank notifying me of my error, I immediately transferred money into my account to cover the deficit. So, they were not harmed in this. They did n't earn this fee. How is it other banks ( XXXX for example ) can have overdraft fees that are one quarter that of Wells Fargo? And why can Well Fargo get away with manipulating the timing of deposits?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MD
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2018-12-03
Company: Southwest Credit Systems, L.P.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Global Credit & Collection Corporation
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Global Credit and Collections aka XXXX aka XXXX are trying to recover a debt that I forgot I had it was over 16 years ago, or I may have paid it. I got a phone call, missed it and over heard the voicemail. Days before I received a letter which I notice had me to pay overXXXX, never had debt like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I first noticed that there were discrepancies and fraudulent activity on my credit report in XXXX of 2019. I have been reaching out to the companies involved with these issues. XXXX XXXX, XXXX, XXXX, XXXX XXXX  ( {$140.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX XXXX XXXX {$100.00} ), and XXXX ( {$450.00} ). I have been unsuccessful in resolving the issues with these unknown delinquent accounts and collections. In addition I have been consistently reaching out to XXXX, Equifax, and XXXX  about my student loan reporting. I've been in good standing with my student loans and have noticed there are incorrect late payment reports that are causing grave damage to my credit history. None of the reporting agencies mentioned above have been taking the manner seriously hence why I'm reaching out to you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with Comenity Bank for a credit card at a chain store. I am a little past due with my payment and today I have received XXXX calls from them so far today. First call at XXXX second call at XXXX third call at XXXX fourth call at XXXX fifth call at XXXX. This is sheer harassment. I have answered their call and told them this was not a good time for me and I am being bombarded with phone calls.

Company response to consumer: Closed with explanation