BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Transunion is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed ( XXXX  XXXX Acct # : XXXX ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish theses accounts.

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 2022-09-12
Company: EQUIFAX, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
Credit companies show that I am reported as a deceased person I have no fico score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Freedom Mortgage Company
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This started back in XX/XX/XXXX with Freedom Mortgage when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my XXXX score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.

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 2015-08-05
Company: EOS Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
After writing and mediating with " EOS CCA '' company about time-barred debt which was previously closed and deleted by XXXX, I received a letter stating they will close and delete that debt from all credit bureaus. And then XXXX more EOS CCA debts showed up from the same creditor which once again were closed in XX/XX/XXXX by XXXX XXXX Services. XXXX more were deleted from the credit bureaus after I sent them the letter then they came back then removed again and XXXX remained, which I am XXXX of disputing constantly.Like I said, that XXXX XXXX XXXX was sold or closed by XXXX then went to another company then deleted by EOS. It seems they keep extending the original date of last activity. It went from XXXX to XXXX to XXXX account opening. Please let them know that they threatening and falsy promising me in writing one thing then re-reporing the account with different account numbers. Also the latest letter came with XXXX letterhead but saying that some US Asset Management XXXX is their client now. Also XXXX stopped completely collecting in XXXX. And they need to stick to their agreement or I would have to file a lawsuit. And I am also a XXXX veterans wife who receives XXXX and I a XXXX XXXX survivor.. They go by my old name ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Early Warning Services, LLC
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I order my early warnings consumer report after being denied a checking account with XXXX 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Between XX/XX/XXXX-XX/XX/XXXX I was offered multiple times, by Navient, to enter into forbearance. I was never offered income-based repayment and never even knew it was an option. I have called Navient ( previously XXXX XXXX ) multiple times over the past few years to discuss repayment options, but I was never once informed that income based repayment was an option. I was also sent obscure " new document available to view '' emails which did not make clear that I was receiving a bill, and were often sorted into my spam box.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.

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 2015-06-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have already filed a complaint not to long ago with you company and I just filed with the BBB as well a few days ago. The dispute was closed due to Navient saying I am in the lowest repayment option. On XXXX/XXXX/15 at XXXX I called Navient and spoke with supervisor XXXX XXXX I was placed on hold several times was told differently monthly payments, was also told I am in a program called select step program and I will be on that program for as long as I own the loan. I was placed on hold because I had told him I need exact information as I am entitled to. When placed on hold I was transferred back to the main line were I had to wait to speak to someone since noone was able to " find '' XXXX for me to speak with again. Finally at XXXX supervisor XXXX XXXX and I spoke and when I had told him what XXXX said he said no he is wrong. I asked him to go over options with me. I current pay {$240.00} for my loan a month and he told me as of XXXX 2015 I will be paying close to {$400.00} a month. I told him I wasnt able to afford that as my monthly and yearly income along with my other student loans puts me into XXXX more then it does now. He told me that I am lucky that that the company has done me a favor as long as they did and havent raised my payments yet. I asked him if we could go over options now for XXXX and I was told by XXXX that I have to wait until XXXX and he was n't going to go over options with me now. I had explained that I dont feel comfortable waiting so long or to the last minuted considering I will not be able to afford almost {$400.00} a month and I will need to figure out how to get the money to pay. He was very rude and nasty. I was also told again that they do not and will not do income based repayment and it is not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY HOME IS BEING FORECLOSES IN XXXX CO.XXXX XXXX XXXX WITH A FRAUDULENT ROBO SIGNED ASSIGNMENT. THE ASSIGNMENT WAS CREATED AFTER THE CUT OFF DATE OF THE TRUST. XXXX XXXX IS THE TRUSTEE FOR THE HOME EQUITY ASSET TRUST 2006-5 HOME EQUITY LOAN TRUST FOR THE CERTIFICATES HOLDERS. THIS TRUST WAS CLOSE WHEN THE ASSIGNMENT WAS CREATED. I SENT A QWR AND DEBT DISPUTE LETTER TO SELECT PORTFOLIO. THEY CLAIMED THEY COULD N'T TRANSFER MY CALL TO THE OMBUDSMAN DEPARTMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TENET HEALTHCARE CORPORATION
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Never received anything in writing from the collection agency. Continuing to pay the creditor but have no written trail of anything. Not even sure what the bill is for, how much I still owe, or what has been paid. All communication has been over the phone.

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 2022-09-12
Company: EQUIFAX, INC.
State: IL
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX refuse to put correct credit history on my Trans Union credit report. My credit history is 5 years and 3 months but Trans Union only sending in 9 months. That is incorrect information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
So this collection agency Cavalry SPV I apparently sues me, I never received any documentation or subpoena and found out doing a search of my name. I had spoken to this agency in the past when thy called me on my work phone and told them to not call or contact me at work and disputed the debt. About a year later, I received another call, on my work phone I told them not to call, where they threatened to sue, although they were apparently already doing that. Then I got a letter ( can't find original but I did take a pic of it - see pic attached ) stating the debt was too old to sue for - although they were suing me. They wanted to offer to settle the debt which I asked for proof of. 

I asked them to show me a signature ANYWHERE on the credit application, on a charge slip, anywhere to prove it was actually my debt and they were unable to do so. The address has not been used by me in 10 years since I moved, but they refused to do anything but tell me to pay. 

I disputed the alleged debt, but they refuse to take it off my credit reports, or show proof. How can I prove it isn't mine when they provide NO information on the OVER 10 YEAR OLD debt? ISN'T THERE A STATUTE OF LIMITATIONS ON DEBT? 

So when I found out I was being sued, I had an attorney show up to assist me for the hearing on XX/XX/XXXX that I found out online through the court portal that was the court date. 
Neither the debt collector, nor their attorney, show up for the hearing to try mediation or dismiss the case that day as directed by the XXXX county circuit court. The final hearing was held and because they did not show the judge dismissed it for lack of prosecution because nobody from Cavalry SPV or their attorney showed up for the hearing. I was going to ask to dispute it and prove the debt was really mine, but because nobody for the collection agency showed up, the judge had to dismiss the case. 

Because they contacted me on a work number that I previously told them not to call, and they did anyway. 
They threatend to sue me, even though they sent a letter stating they can not sue ( after they called me. ) Then didn't show up for the court date when they did sue me. 

All of which are breeches of the FCRA. 

I want to file a complaint and my recourse would be to have this removed from all credit bureaus immediately. It shouldn't even be there because it is over 10 years old too, but Cavalry bought the debt and reported it as a NEW debt, so it is showing it will be on my credit until XX/XX/XXXX, WAY over the 7 year reporting limit on old debt. They alleged in court papers I owe over XXXX, from an address I haven't lived at in 10 years, but zero proof it was really me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged interest in the latest billing cycle, even though I paid the full statement balance. This is my BBVA Compass credit card. I tried numerous times to contact the Customer Service. There is no Customer Service email address published on BBVA website. The advertised phone number XXXX does not connect to a live operator. They just say after several minutes of waiting that no operator is available, Good Bye! If I were able to discuss the issue with the customer service, I would not make this complaint. Please help. 
I understand that no employees come to work these days, but they can answer the phones and assist customers from home. Or accept and answer emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX Navient has accused me of being late on making payments, once in XX/XX/XXXX and again just this month for XX/XX/XXXX. In each case I have made payments for the amount owed, and each case Navient calls XXXX to XXXX times per day, they have sent letters, and I have spoken to XXXX sperate representatives. Navient reps. have told me it is against company policy to stop collection activities until they can update their system, even after I provided proof of payment. I have been receiving harassing phone calls many times a day for the past XXXX weeks, and I am told I would have to wait at least until the end of the month for the system to update. On top of the harassment, the amount I supposedly owe is XXXX and sometimes almost XXXX the amount I owed in the first place. Navient is harassing me and trying to collect on fraudulent fees and nonexistent past due payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Bank of America Debit card was replaced due to the bank being notified of a potential compromise to my card in XX/XX/XXXX. 

I had a automatic renewal with XXXX XXXX XX/XX/XXXX, prosessed on my old debit card number ( COMPERMISED ). 
I received a letter of renew from XXXX XX/XX/XXXX concerning renewal of the service. I returned invoice marked do not renew. They processed the renewal with OLD Debit number and Bank of America processed it through using new Debit card. Per their service rep, XXXX will allow as a courtesy one time. I do not want any bank or CC company providing access to my funds if the merchant does n't have correct information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I received a letter dated XX/XX/XXXX from my XXXX XXXX XXXX XXXXssued through Citizens bank. 
In this letter i was informed that your agency made a ruling that allows them to change my fix interest rate credit card to a variable interest rate. I've had this card since XXXX and have an interest rate of 7.74 %. they are now informing me that this rule is discontinuing the use of the XXXX index so now they will be using the prime rate. So as I understand it my interest rate is now a variable rate which will obviously go up now that the prime rate is going up. I did call the credit card company and the rep said that it is CFPB that is responsible for this change. How is this possible? I thought you were supposed to an advocate for the public. Please explain how this can happen. 

At the end of this claim I put Citizens bank but I hope you revue this first because if the CFPB has made a ruling that allows credit card companies to make this change then my problem is with the CFPB as the CC companies are just taking advantage of a ruling you made in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Loan Depot in XXXX XXXX  sold my loan to a debt collections company in Texas but did not notify me that this sale would negatively impact my credit report. I have never missed a payment or been late with a payment but the credit bureaus now have been notified that my mortgage loan has been turned over to a debt collector causing my credit score to drop XXXX points. Imagine my shock. Never delinquent, never late and my credit score goes right in the toilet anyway. What can be done?

Company response to consumer: Closed with explanation