BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Have a Tax lien on my credit report resulted from a back tax bill from wife 's deceased mother. Bill has been paid in full when we found out about itXX/XX/2011. 
tax lien from : XXXX COUNTY CLERKXXXX XXXX XXXX, NY XXXXamount of {$550.00}. Paid in full ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Pacific Union Financial, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed an original complaint with CFPB on XX/XX/XXXX - reference case # XXXX. 
Pacific Union Financial Response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX outlined a forebearance plan offer, which if accepted by me, would become effective XX/XX/XXXX and continue through XX/XX/XXXX. 
Numerous requests via phone and email to receive these documents and specifically the forebearance plan agreement have been unsuccessful. 
Obviously, I can not review or accept documents that I am not in receipt of. Just today I received loss mitigation paperwork again when requesting the forebearance plan agreement XXXX XXXX promised in his response dated XX/XX/XXXX. There are 6 days left in the month XXXX and the lender continues to ignore my requests for the correct documents so that we can move forward. See attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Premier Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I keep getting phone calls from this company threatening all sorts of consequences, but I do NOT owe whatever they are calling about.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transuion has violated their policy by reinserting XXXX or XXXX twice in two week period.Am asking for this issue to be resolved by deletion of XXXX.

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 2015-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Trans Union is blocking my credit report, i have contacted them repeatedly and they refuse to fix that, all they do is transfer me to another representative. i have been calling for over more than a month, so I they 've had plenty of time to contact me. No matter how many times I call they do the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Transunion with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion has not removed! XXXX via XXXX XXXX multiple hard inquires XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 2016-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with zero reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks XXXX or XXXX questions. That is XXXX or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If thousands of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

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 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Dear XXXX : :This is another complaint of false billings created after an auto rental last XXXX rental without my approval, by XXXX XXXX XXXX i 'm responding to several '' XXXX citizens '', who have commented to me after XXXX XXXX Pa.refused to deny this billing, and charge against my account, and have not sent me their detailed list of charges that go with every rental that all rental car compan'y detail with at least XXXX number more than, " {$25.00} that, '' the number {$2500.00} '' is not possible for an auto a rental since this number does not have any other single number after the " XXXX '', XXXX. {$25000.00} ''. every rental has more than XXXX or more additional fees in addition to the rental to add to the final rental '' they add : " there 's no ways that this rental that XXXX Bank allowed to be taken off your debit card/checking account '' that does not have XXXX single other number. especially since they assert the 45 day rental. now that i think about it.they are correct in thier logical conclusion that XXXX Bank did not realize, or notice as impossible.

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 2016-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with Transunion and supplied them with a copy of my police report, the account was removed. However, they re- inserted the entry without informing me- when the account does not belong to 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 2015-10-20
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Optimum Outcomes, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am not liable for the Medical charges stated as my insurance was responsible for it at the time bc I was still on my parents insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Harvard Collections, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Optimum Outcomes, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have a collections on my account for a XXXX medical bill i do not owe. I have insurance and at the time they are accusing me i did to. I had gotten a letter in The mail a couple years ago from a hospital appologizing that my information and medical files are at risk because some computers were stolen from said hospital. I am very very upset that they keep bothering me. I continuously get mail from them telling me to pay this bill. I have even recieved a phone call a couple of times on my home phone. I will refuse to pay a bill i do not owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multi times a day. I have already requested the information on said debt be mailed to me as I have NEVER received a single bill for this debt since I stopped service with said company they are collecting on. And the account was closed two years ago. I have n't heard a thing or ever got a final bill from company. And all a sudden they want my FULL social and address and all that. I told them once to send me mail on behave of the company before I would talk anything about the debt as I want to protect my identity. They refused, and are now calling me everyday and if I do n't speak to them they will keep calling like 5 times a day. On top of that they call using ant automatic system that tells me to wait on the next avaible rep as if I called them. I 'm sorry but if they gon na call me they need to speak with me directly not make me wait on hold for them! That 's rude and illegal at that!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Seattle Service Bureau, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX my Lowes Credit Card rate on purchases was 24.99 % APR, in XX/XX/XXXX it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my XXXX card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from XX/XX/XXXX and XX/XX/XXXX.

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 2015-11-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I FILED A COMPLAINT WITH THIS OFFICE BACK IN XXXX 2015 WHEN SYNCHRONY BANKXXXX CHARGED MY ACCOUNT A {$25.00} LATE FEE BECAUSE THEY FAILED 2 APPLY THE FINAL {$5.00} XXXX XXXX MY XXXX ACCOUNT AND THE THIRD BANK ACCOUNT I USED. .ALLOW ME 2 STATE FOR THE RECORD THAT I NEVER APPLIED FOR A XXXX CREDIT CARD WITH ( SYNCHRONY BANK ) I APPLIED 2 ( GE BANK ) AND UP UNTIL THIS ISSUE I NEVER WAS CHARGED ANY EXTRA FEES.NOW THERE IS ALSO ANOTHER ISSUE THAT I INFORMED CFPB & THAT WAS INTEREST FEES THAT HAVE BEEN APPLIED 2 MY ACCOUNT OVER THE PAST 3.50 YEARS FOR ITEMS THAT WERE PURCHASE ON A FLEX PAY OR VALUE PAY THAT ACCORDING 2 XXXX WAS SUPPOSE 2 BE INTEREST FREE.WHICH I BELIEVE IS FALSE ADVERTISING.NOW RECENTLY I LEARNED AN ADDITIONAL LATE FEE IN THE AMOUNT OF {$35.00} AND WHEN I ATTEMPTED 2 CHARGE AND PAY WITH MY DEBT CARD WHICH WAS DENIED BECAUSE SYNCHRONY BANK ONLINE PAYMENT STATED IT THE CARD WAS A CREDIT CARD THAT 'S A LIE BECAUSE IT CLEARLY READS ON MY CARD DEBT AND 2 PROVE IT I WENT AND WITHDREW SOME MONEY @ A LOCAL XXXX AND HAS 2 DEPOSIT IT INTO MY XXXX XXXX XXXXONE MORE THING I BELIEVE IT 'S ILLEGAL FOR A BANK XXXX CONTINUE CHARGING FEES WHEN THE ACCOUNT IS IN DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
It started with the need to get help for my cat who was XXXX. So I headed to the Vets Because I 'm on a fixed income, ( a non-service related XXXX pension ) and have been struggling financially for some time now, I simply did not have the finances to cover the {$72.00} fee to give my cat the needed medical attention. When it was suggested that I open an account with " CareCredit/Synchrony Bank '' to help her, I felt I had little choice. It was either that or let my cat continue to suffer. At the time I was not much concerned with any of the fine print or policies of CareCredit, I was stressed out enough just having to deal with relieving my cat 's suffering. 
I 'm XXXX and barely surviving on the small stipend the XXXX. pays me, so when I received CareCredits first bill stipulating that I pay {$25.00} a month until I pay it off, I immediately called them, and pleaded with the representative that I was already struggling just to survive, and would it be possible if they could be a little flexible with me by allowing me to pay them XXXX or XXXX dollars a month until I pay off the {$72.00}. They said absolutely not! and they stated that for every month I did n't make the {$25.00} payment I would see an increase of {$35.00}. 
Well as of today after missing five months of payments on my bill it has risen to {$220.00}. They have now turned the issue over to " XXXX '', an aggressive collection agency. I 've tried my best to reason with all concerned parties, but to no avail. And they are no longer interested in the XXXX dollars they want the whole {$220.00}. Anyway, any help would be most appreciated. 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 monetary relief
Consumer complaint received 2016-08-05
Company: SYNCHRONY FINANCIAL
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:
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered XXXX XXXX, XXXX ( XXXX '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for GE CAPITAL RETAIL BANK. 

I mailed a XXXX a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from XXXX XXXX, XXXX stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). XXXX XXXX, XXXX failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by XXXX XXXX, XXXX with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

Best Regards, XXXX XXXX XXXX

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