BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: LJ Ross Associates
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to original creditor directly and now L J ROSS ASSOC is holding my credit report hostage because I did not pay them my debt directly ... although I paid the debt off in full to original creditor ... .who agreed to have it removed from my credit report ... had I paid L J ROSS ASSOC directly it would have been removed from my credit report. L J ROSS ASSOC is holding my credit report hostage out of retaliation for me not paying the funds to them directly. It is a harassment tactic to bully those who pay off their debt to original creditor directly. All other collection agency that I paid directly on my credit report removed those items of collection from my report except L J ROSS ASSOC ; whom I did not pay directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Chase Bank told me I owed over Five Hundred dollars from past accounts and if I wanted to open a new account, I must pay the past due amount. They then requested my current address information and sent me an email confirming the new address update. I told the representative that I filed bankruptcy and the old accounts were included. He replied that in order to open the new account I had to pay off balances from the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received court documents in XXXX XXXX about being sued my Midland Credit Management. Although I did live in XXXX XXXX when I originally got that credit card, I have been living in New York since XXXX. My parents called to tell me I am being sued by them two weeks ago. I have called Midland Credit and they give me a different number to call because it is being handled by a " different department ''. I call the number I was given and the lady says I need to call yet another number but she doesnt have access to the number I have to call to work things out. That I should call again another day. I tried calling a second time, and after almost 30 minutes on the phone again, she has no " access '' to the number I need to call about this. I goodle the lawyer that has the case and call the numbers I find, and its disconected. I have a number on court documents and also try calling with no luck. Two weeks have passed and I cant contact anyone to let them know I am not even a resident there anymore. Im afraid of the court date getting closer and having a judge default to XXXX just because they either dont know what they are doing or refuse to do so, and have the court date come up without me there for a debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Transunion LLC is in violation of ( 6 ) Federally Protected consumer rights willfully and knowingly, so they are civilly liable. 

Please see attached affidavit of truth and exhibits attached to this complaint which has also been forwarded to my state attorney general 's office showing the violations.

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 2016-06-27
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My sister and I opened loans at the same time. XXXX XXXX ( now serviced by Navient ) messed these up in their system. My sister has a loan that showed up in my account and on my credit report, but does not have my name on it. I have a loan that showed up on her account, but never showed up in mine. It was paid by her for years before Navient caught and fixed this error, and this loan shows up on her credit report. This loan does not have her name on it, but Navient denies that anything has changed on our accounts, even though we are fully aware of the changes that have happened within our individual logins. My loans are for XXXX, my sister 's loans are for XXXX. Navient has so far denied any errors or mistakes, and this is not the first time we have needed to go to them to try and sort out our accounts. We now have no confidence in what they are telling us and we need help sorting this out. The loan in question was paid by the wrong person forever, due to Navient 's error. They have denied anything is wrong. I have attached my bank payments over the last year showing that I have never paid the loan. Payments stopped in XXXX because this loan disappeared from my sister 's account, but there was no past due notice until XXXX when it showed up in my account. Navient 's system only showed the loan 17 days past due even though my account says XXXX. While I am the cosigner and student borrower on the loan, Navient has refused to give me any information on past payments of the loan, even though they have confirmed my name is on the loan. I am also attaching XXXX of my credit reports showing loan ending in XXXX with an original {$10000.00} balance which is not mine, yet is showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: STONEGATE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowner 's policy was due on XX/XX/2017. Stonegate Mortgage did not submit the payment to the insurance company until XX/XX/2017. Today XX/XX/2017, I received a phone call from my insurance company stating that my insurance was in cancellation due to non payment. I have to pay {$330.00} out of pocket to keep my insurance active and will not be reimbursed until the insurance company receives the check from Stonegate. This is completely unacceptable way of conducting business to not submit my mortgage payment in a timely manner when the money is available in my escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Bank of America Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Bank of America in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Bank of America sent me a check with insufficient funds? The agent told me to contact Bank of America. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Bank of America. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Bank of America Home Loans. I want to know why Bank of America sent me a " blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Bank of America is XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On the first note I had rented an apartment with XXXX XXXX, with several roommates, went to court and I was left paying out money but it was stated that once the balance was paid in full they names would be in the clear as well, but the made no attempt to pay. 2nd there is a XXXX XXXX account in my name but it 's in IOWA, different social security number, address etc. ( 3 ) The apartment XXXX rented with them again roommates and now my credit is runied. Just runied I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: BMW Financial Services NA, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have written letters to Experian on three different occasions requesting a personal information update. They have refused to update my address. 

Last night I disputed the information online with an attached supporting statement and they have refused to update, instead completing the investigation with no changes.

This presents two problems : 1 ) Any preapproved credit offers will be mailed to strangers who might open accounts in my name. Experian does not help protect consumers from identity theft. 

2 ) Legitimate bills/accounts are sent to wrong address causing credit reporting and privacy issues. I am only reachable at one address.

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 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I took out what was called The Gold Option Loan from Bank of America in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Bank of America over {$45000.00}. This loan was a bait and switch. Bank of America from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Bank of America has since filed suit against me claiming I defaulted on the loan. I have not!! It is Bank of America who has faulted on the loan. I upheld my end of the deal. Please do not let Bank of America take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Bank of America cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Bank of America has broken several laws. Please do n't let Bank of America get away with stealing from so many people who trusted that they could actually be a trustworthy company. Bank of America will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Bank of America. I want Bank of America to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have two mortgages for investment property with PNC Bank. We have continuously tried to get them to include the property address of the mortgages on the escrow account statements and other correspondence, with no avail. Because they are not including the address, they have misapplied tax and insurance payments on numerous occasions. 
The properties in question have the same street address, but different building numbers. We have mortgages with other companies that include the mailing address along with the property address of the loan in question. We are not asking a lot to have the property address listed on ALL correspondence. Therefore, we are asking you to contact them to assist in resolving this matter.

Company response to consumer: Closed
Consumer complaint received 2022-11-04
Company: LEXISNEXIS
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have requested a copy of the consumer report concerning me and have yet to receive one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Thank you for taking the time to possibly solve a situation I might be having. 
I notice 2 inquiry on my account a few months ago and I have tried to contact Experian regarding this issue. The inquiry do not have my authorization and should not be their. 
This is hurting not only my credit but my ability to help my small business. 
dates 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 2015-05-08
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank starts calling about 1 & 1/2 weeks before payment is due from XXXX until XXXX XXXX or XXXX times a day I have ask them not call they have been getting paid so stop harassing me they use automated/robo calls that messages on my answering machine they send e-mails and they use live persons even though I pay they just keep calling every month all day every day until they receive the payment this has been going 4 or 5 months I have repeatedly asked them to stop to no avail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for the response to my Demand Letter which had 2 parts : Part 1 - was to get affirmation from XXXX about non-foreclose action on my property. I received the answer saying that XXXX is not seeking to foreclose on my property. 

Part 2 - was to get XXXX release through " Quiet Title '' Acrtion. XXXX indicated that it was helpful that an amicable resolution of the debt can be reached if I decide to file Quiet Title Lawsuit. 

I left voice mail for the Corporate counsel XXXX XXXX by calling XXXX on XX/XX/XXXX at XXXXXXXX XXXX indicating my desire to not to spend my $ in legal lawsuit expenses. I realize that there was no need for XXXX to spend $ in legal expenses as well. So lets find a common ground to settle this dispute. 

The most inexpensive route will be that neither I nor XXXX involve lawyers. If that's the case I would present 2 scenerios : 1st scenerio : I let the debt run its own course since XXXX is not foreclosing, and I have nothing to loose. I donot need to dispute acceleration and/or ttermination. I can myself file quiet title in XX/XX/XXXX, under XXXX XXXX Court will order XXXX release. 

2nd scenerio : We setlle this debt ASAP for a reasonable sum that I can afford. In XXXX XXXX tried to settle the debt for {$65000.00} on behalf of XXXX AND I OFFERED {$30000.00}. I am unaware how much XXXX paid to acquire the debt from XXXX. This is a reasonable & rationale offer. Even though I will have financial difficulty but I will arrange {$30000.00} through my family and resolve this longstanding issue. 

SINCE THERE IS NON-FORECLOSURE ACTION GOING FORWARD AND IF YOU DONOT ACCEPT THIS OFFER, AFTER XX/XX/XXXX XXXX WILL GET NOTHING ON THIS DEBT. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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