BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I file dispute with Trans-union about inaccurate information on my credit report. They corrected the inaccuracy ; however, at the same time place XXXX very damaging inaccuracies on the credit report even though these accounts have been paid off for 8 months. This companies practices are very unethical and they are very inaccurate.

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 2016-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX J XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-24
Company: GOLDMAN SACHS BANK USA
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm writing to ask how my Apple Cash account is doing. on XX/XX/2023 I was informed that my account had been disabled and was presently being reviewed when I attempted to log in. The notice warned that the review procedure might take up to two business days to complete. In order to access my cash, I would want to request that my account be unlocked as soon as possible. I haven't previously heard from the bank about any issues with my account. As a result, I'm not sure why my account was first locked. I want to utilize my Apple Cash money right now, therefore I'm hoping you can help me out very away. If you need me to offer any extra details so that the review process may go more smoothly, kindly let me know. I appreciate your help and time. It's XXXX for my apple id.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
For the past couple of years I have been trying to negotiate with XXXX XXXX XXXX for a favorable payment. Due to extenuating circumstances and family commitments I am unable to afford my monthly assessed payment for the life of my loan. When I began experiencing financial difficulty I immediately reached out XXXX XXXX to get on favorable payment schedule to bring my account current. Sadly, I could not pay the monthly payment and past arrerages that brought me to this point. Needless to say I defaulted on my private student loans because XXXX was unwilling to provide any reasonable workout options to include a reduction in interest rate, late fees or principal reduction. My account with XXXX was recently transferred to Transworld Systems , Inc. collection agency who is demanding a payment of {$80000.00}. On XXXX XXXX, 2015 @ XXXX. I spoke to XXXX XXXX at ext. XXXX and XXXX XXXX XXXX, Operations Supervisor at Transworld Systems ; XXXX XXXX can be reached at ( XXXX ) XXXX. In speaking with XXXX XXXX he stated that XXXX will be willing to accept a lump sum payment of XXXX, when I asked if any other options were available he said that I could pay the interest but it would not affect the principal amount and when I asked if the a payment arrangement could be made for a debt settlement amount he stated that none were avaiIable at present. I asked for all of my payment options to be documented in writing and he said the only option that could be documented would be a pay-off amount of the $ XXXX. I am asking and praying that you would be to assist me in this very serious matter so I can get into positive pay for my private student loan so I do not have to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank/Care Credit is reporting inaccurate information on my credit report in regards to a charged off credit card. I contacted XXXX XXXX at Synchrony Bank in XXXX of 2015 because I wanted more information about the account. XXXX stated that she could not give me any information about this account because Synchrony did n't have any information listed in their computer system. The only information available to XXXX was my name, social security number and a account number. XXXX advised me to dispute the validity of the account with the credit bureaus and Synchrony Bank in which I did. I received a letter from Sychrony Bank stating that they could not provide me with any information on this account because the account was sold to XXXX XXXX. Synchrony Bank also verified the account as reporting accurately with the credit bureaus but they can not provide me with any documentation on this account. Synchrony Bank/Care Credit has violated the FCRA by verifiying inaccurate information with the credit bureaus and proper documentation can not be supplied. How can they verify this information without the proper documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Solidus Group LLC.
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:
Myself, family and my ex husband have all been receiving multiple calls per day from a company identifying themselves as XXXX with a contact number of XXXX. Per this company I have an outstanding payday loan from a company called XXXX XXXX, that was taken out in 2011 in the amount of {$400.00} and a formal complaint has been filed against me. No such loan exists and I 've asked them to stop calling me and my family, but they keep calling. I am also concerned that they know who I bank with and know the last XXXX of my SSN. The rep I spoke with wo n't tell me what XXXX stands for.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-25
Company: Citi Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A XXXX XXXX @ Citi Management Group keeps calling at my place of work after she was told by myself and supervisor to not phone me at my place of work. Personal phone calls can get me into trouble. I repeatedly asked for the alleged debt i owe to be mailed to my XXXX XXXX so i can verify the info. I was refused and was sent a email instead that had no real info. She requested that i pay the debt over the phone at that very instant. I requested the original creditor, amount, name, phone and address and was denied that as well. The said debt is from 2011 and that is all the info i was given. Today she called my work again as well as my cell phone. My supervisor took the call and was told by XXXX XXXX that i owed a big debt and wanted my HR contact to garnish my wages. She called my cell phone 2 times in a row and left a voicemail stating if i did not contact her by the end of the day she would move forward and take legal actions. I still have no idea who the original creditor is.

Company response to consumer: Untimely response
Consumer complaint received 2016-04-10
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX of this year my wallet was stolen and soon learned that there was unauthorized charges to my credit card. I disputed the charges and they took care of the unauthorized charges and credited my account back and even got a new credit card in the mail. Prior to this incident, though I rarely used the account, I did always pay on time when there was a balance. I received a letter from the creditor in XXXX, following this dispute indicating that they had closed my account after reviewing my credit file without warning me. 
When I opened this credit card I had good credit standing and feel that I should have been warned about their decision. In the letter they sent me there are a number of reasons but feel that I needed a fair warning before they decided to close the account. I have been working on re-establishing my credit and this decision that they took will affect this process tremendously.

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 2015-08-19
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed a complaint with the CFPB on the original creditor after ( case # XXXX, I also submitted paperwork from my insurance company that clearly showed that I didn ; t owe this bill and now they have turned it over to a collection agency,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have file disputes with all 3 credit bureaus on XX/XX/2020. I believe this is more then enough time to answer my disputes. I understand that with Covid19 happening things might be longer but it law is 30 days regradless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I previously submitted a dispute regarding XXXX XXXX XXXX Collections which they added collections accounts to my credit report. It was established the XXXX XXXX was the legal owner of the accounts and that a dispute was filed with XXXX XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX XXXX XXXX. XXXX XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX XXXX XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX XXXX to XXXX XXXX XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX XXXX XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX XXXX physicians is handled through XXXX XXXX XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX XXXX XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX XXXX XXXX. XXXX XXXX XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.

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 2017-04-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In XX/XX/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. 
I 've been paying everything down as best I can ever since and have never been late on a payment. 
But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. 
This makes it look like I continue to have high balances on my accounts which keeps my score low. Then because my score is low, they lower my limit on another account and so on. 
So far I have XXXX accounts that they 've done this to. One of which has dropped from a {$4500.00} limit down to {$1700.00}. 
They are the only creditor that I have that insists on doing this kind of shady business. 
I am not being treated as a customer, I am being treated as a number or better yet, a risk. 
I have filed a complaint with the XXXX and am waiting for Synchrony to contact me in regards to this issue.

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 2015-10-07
Company: Northeast Collection Bureau
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous phone calls to my cell phone ( XXXX ) from XXXX ; sometimes, 2-3 calls back to back in one day. The number will ask you to press XXXX to speak with someone ; however, no one is ever available to take the call. 
Today ; I was called, yet again and this time XXXX XXXX answered after selectingXXXX, I advised I had no knowledge of the bill stated owed XXXX, he advised I needed to look it up on the internet to find out. I asked him to no longer contact me. He stated he would contact me at a later date. The repetitive phone calls to my cell phone are harassing, and should be covered under the TCPA. Since Northeast Collection XXXX is n't able to provide any details to the bill, yet continue to harass me, I request a cease and desist before I move forward with legal action. 
A written request has also been sent XXXX XXXX XXXX XXXX NY XXXXEvery call received ( answered and missed ) is documented and printed, including the voice mail messages left.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: MA
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:
Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For several years now, I 've been unable to view my Experian credit report online at AnnualCreditReport.com. The website provides no information regarding the reason for this ( e.g., whether there 's a problem with my application, or perhaps they 're just doing server maintenance, etc. ), so there is no way for me to take action to correct the problem. 
They do provide a way to request the report by mail, but I need a soft copy to store in the computer. 
I 've found several other people in online forums who have the exact same issue ( and no problem at all with the other XXXX credit agencies ). For your reference, I 'm attaching a screenshot of the now all-too-familiar denial screen. 
One gets the impression that Experian wants people to " become members '' at their own online service, for a fee. 
Is there a way to require them to explain why such online requests ca n't be processed and provide users a pathway to resolve the problem? 
Thanks for all you do.

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 2022-04-17
Company: AXOS FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made timely payments on my mortgage. Yet the mortgage servicing company ( Axos bank ) has reported a late payment ( 30-60 days past due to the credit bureau ) . This has damaged my credit score.

I am attaching the credit report showing the missed payment, as well as evidence of timely payment ( Payment cleared from my checking account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: High Point Asset Inc
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
HighPoint Asset. Keeps calling me for a payday loan that I never took out. Says they will take me to court or a warrant has been issued for my arrest. I asked for the request in writing and never received it. They just wanted money. I ignore them and block the phone number but they change number every few days.

Company response to consumer: Untimely response