BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you XXXX more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late Dates 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 non-monetary relief
Consumer complaint received 2015-09-12
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe BB & T is intentionally reordering transactions to cause overdrafts. Let me explain ; We were customers of The XXXX for 5-6 years and we never had problems with our account, but recently they were bought out by BB & T. Since the bank switched to BB & T on XX/XX/XXXX we 've had nothing but problems with both the level of customer service and OUR ACCOUNT in general. We have a business banking account and a personal account and both have been hit with fees totaling over {$600.00} since XX/XX/XXXX. This is after not having any overdrafts the previous XXXX years. The way they 've brought transactions through reminds me of XXXX XXXX XXXX, 6-7 years ago when they were reordering transactions from highest to lowest because they knew they would generate more fees. BB & T is doing the same thing to consumer, now, and they need to punished. I would print off my overdrafts to show you, but I think BB & T charges me for that service too. I would highly recommend you investigate BB & T as word is spreading quickly around XXXX Kentucky- other banks are getting new customers as people close their accounts at BB & T . We 've heard from a handful of different people complaining about the same thing and our credit union has even told us they 're hearing a lot of negative things going on with BB & T. Please do n't hesitate to contact me if you need me to provide more info. My email is XXXXXXXXXXXX and my phone number is ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Receivables Management Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I checked my credit report and found this collection on my report. I have no knowledge of said debt and would like documentation to back up their findings. I assume this is medical by the name and MED in the creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-16
Company: High Point Asset Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
High Point Asset at XXXX keeps calling my cell phone. They are asking for someone who I do not know and have never heard of. It is a robo-call and it says that they are calling for a " person of interest. '' They will not stop calling. I have tried calling them and they will not stop. They are located in XXXX, New York and will only provide an address of XXXX. XXXX XXXX at zip code XXXX with a fax number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: High Point Asset Inc
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
High Point Asset, Inc. called saying that I owe money from a payday loan in which I never took out. They claim that the money was issued to my bank account, and then I closed my bank account and they was unable to retrieve the money. They can not provide me with any information other than that amount that is owed. They can not provide me with who the original amount supposedly came from. The emailed me a generic letter with an amount owed that was not even the amount that they told me on the phone. I have spoke with my bank, and they have advised me that they have had other reports from this company, and that I should not proceed in making payment until I speak to my attorney, which I will be doing later today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Santander Bank declined a debit card transaction even though my account had sufficent funds to cover the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-14
Company: Statebridge Company
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
RE : Loan with Statebridge Company # XXXX The above mentioned loan was in the name of XXXX XXXX, my mother. I, XXXX XXXX, was trying to payoff her bills, because of her XXXX and later her death. I was never on this loan. The beneficiary of this loan was a XXXX XXXX with XXXX children named. I being the XXXX was paying my deceased mother 's debt, which included the above referenced loan. The XXXX mortgage that I was paying was with XXXX XXXX, which I always paid on time. Then, XXXX XXXX sold the loan to XXXX XXXX, again with no problems and always on time. In XXXX 2015, XXXX XXXX sold the loan to Statebridge Company, and here is where it gets crazy. First there was a credit on my account saying that I overpaid. Then in XXXX I sent Statebridge a payment of {$1200.00}, in which, Statebridge returned the check a month later, but I had already sent out XX/XX/XXXX 's payment. I called XXXX XXXX numerous times, but NEVER received a response from her. Finally, I contacted Statebridge and spoke to someone else, who informed me that the loan matured and the total amount was due. When I asked for some help to resolve this, Statebridge flat out refused to help me, stating that my name was not on the loan. So then, I was forced to get a loan, in my name, with XXXX XXXX XXXX to pay off my mother 's loan. After I received the payoff letter, XXXX turned around and recorded on the credit bureaus, that XXXX XXXX was in default of XXXX months, on a loan that was in XXXX XXXX ' name. Also, XXXX told us that we could go online to file under loss mitigation, when in fact, there is no such place on their website to file such reports or complaints. Because of Statebridge 's falsely stating that XXXX XXXX is in default, XXXX XXXX XXXX is stating that my loan with them is fraudulent and is now being investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently moved and updated my address with all of my credit card companies. I 'm assuming that after doing so, this prompted an alert and it was deemed as fraud by the credit bureaus. Therefore, all credit reporting bureaus are reporting that the valid accounts under my name are fraudulent causing them to be closed in error. I contacted each company and they stated that they 're going by what the credit reporting bureaus are providing and can not re-open the account unless they contact them directly to let them know it was in error. I 've contacted them to provide such information to no avail. Slowly all of my accounts are getting closed and this is detrimental to my credit file as inaccurate information is not being reported under the Fair Credit Reporting Act.

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 2022-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
Default and Opportunity to Cure Re : Portfolio Recovery Associates , LLC ( XXXX ) Case : XXXX To whom it may concern ; This is in reference to Portfolio Recovery Associates , LLC ( XXXX ) response to my CFPB complaint # XXXX Be advised that my complaint was not a request for verification or validation of the Consumer Credit Transaction which will be constituting a dispute. 
I respectfully requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. 
The Federal Law is quite clear about requirements imposed on Debt Collectors. 
15 USC 1692a ( 2 ) - states= The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, which will include the three major credit reporting agencies. 
Being that I dont have a contract with your company regarding the Consumer Credit Transaction you should have never been allowed to have and share my Nonpublic Personal Information. Which is an infringement of my Federally protected Consumer Rights. 
I requested your company Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist the sharing of my Nonpublic Personal Information and your response was We ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law. 
There isnt any law that will Permit or XXXX Portfolio Recovery Associates , LLC ( XXXX ) to continue to share a Consumer Nonpublic Personal Information after the Consumer has requested Portfolio Recovery Associates , LLC ( XXXX ) to Cease and Desist, which is a violation of my right. 
15 U.S. Code 1611 - Criminal liability for willful and knowing violation 15 USC 1611 ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 USC 1611 ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, Your company Portfolio Recovery Associates , LLC ( PRA ) failed to honor my Cease and Desist request regarding the sharing of my nonpublic personal information to nonaffiliated third parties which is an infringement of my Consumer Rights. 

I am attaching valid proof that Portfolio Recovery Associates , LLC ( XXXX ) violated my consumer rights. I hereby grant Portfolio Recovery Associates , LLC ( XXXX ), the opportunity to remedy this matter by doing the following things ; Deletion from all consumer reporting agencies Pay as per the attached invoice Respect my Rights as a Consumer I will not hesitate to escalate this matter to a Federal Complaint if Portfolio Recovery Associates , LLC ( XXXX ) decides to ignore my request. 
Yours Truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2015-10-22
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner has been under review since XX/XX/XXXX. She is awaiting XXXX and waiting for a XXXX. XXXX. The daily ongoing stresses of loosing her home are a factor in her Health failing with no answer. They approved her for a Modification on XX/XX/XXXX but she missed making her payment due XX/XX/XXXX because she was hospitalized. She got assistance from XXXX XXXX XXXX, which covered all 3 trial payments XX/XX/XXXX and the Lender did not accept it. Since then her Financial circumstances have improved, she now receives SS XXXX. With the information we have submitted for a year reflecting affordability and with the decision they already made agreeing that it is affordable and in range should conclude the same decision with the increase, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has been disputed time and time again. I have submitted undisputable proof where the company that they made errors with my documentation. I lost a sale of my property due to them making an error in my processing. The credit reporting agency still has not had this removed from my file. they keep stating that is account is verified as is. But with me showing proof of their negligence it should not remain on my credit file. I also have proof where they removed the account from credit file and had it placed back on by changing the date.

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 2016-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX performed an unauthorized hard inquiry on my account. I 'd like it removed

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 2017-01-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TO WHOM IT MAY CONCERN XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 # XXXX XXXX XXXX XXXX # Opened Date XXXX $ {$4500.00} XXXX # XXXX Inquired that is not mine XPXXXX B XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XP/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX This address is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I never live there please removed 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. 1681c-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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
These are regarding my XXXX recent loans with citizens bank in the beginning of XX/XX/2016. I was quoted that the loans were 2.86 % variable for XXXX separate loans. the first representative XXXX XXXX gave this quote I emailed the documents so that was much faster. However he decide to combined them when told not to. Which delay the process. Which seems to be common practice not only with Citizens Bank other lenders as well to trap borrowers if the loan defaults. XXXX XXXX the left a voice mail as well of financial information which is a serious violation. Then I talk with XXXX XXXX he stated that the were separate and I emailed them to him as well because of the delay. This is costing me money in the longer run. I also gave me work schedule so that I could deal with this in a timely manner so that Citizens Bank had no excuse in getting of a hold of me. I then asked for a supervisor I spoke with XXXX. He stated that he would look in the matter weeks went by no word. I was getting frustrated. It then went to the XXXX which is the board of something and stated she would look into the matter. She is purposely calling when she knows that I am at work and ca n't talk

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have private loans from XXXX that were originally from sallie Mae, now navient services them. I am in a repayment program that I have to keep renewing every 6 months or they increase my monthly payment even more. Every time I renew the program the amount goes up. 

I ask them to lower the payment, they say they can not. 

Is there any assistance with these loans seeing as they were for XXXX who was found fraudulent for pressuring students into signing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail. 

- Experian received the Dispute Letter on XXXX/XXXX/16 as USPS Tracking # XXXX shows. 

- On XXXX/XXXX/16 both XXXX and XXXX deleted this Fraudulent Collection Account from my Credit Reports while Experian refused to properly investigate and delete and instead updated this account to a " PAID '' collection which has continued to damage my credit even more as their change to a paid collection being more recent lowered my scores, i am in the process of buying a house and this whole situation is preventing me from obtaining a mortgage. 

- Experian Fraudulent Verified this Unknown Collection account and Updated to a PAID COLLECTION on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.

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 2015-06-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The wrong phone numbers are listed. The only correct phone number is my cell phone number. There are XXXX social security numbers on my report that are not mine and I have only used my correct and original social security number. I never tried to obtain a car loan in 2014 and there are numerous other false statements. It is my belief that possibly my ex-wife of 20+ years and or my son or daughter, both of adult age may have used my personal information. I am trying very hard to get my credit in good standing and so far I am doing pretty good as I try to carry no credit card balance. Have always paid my rent on time. It is just demoralizing when you are trying so hard and see mistakes such as XXXX wrong social security numbers. XXXX Towns that I never lived in. That being XXXX, Ma. and XXXX, Ma. and possibly XXXX, Ma.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief