BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX.action. I was only able to view my XXXX credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.

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 2019-03-20
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this  state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-07-11
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank that collects for CareCredit interest free credit card if paid off within promotional period. 
The website http : //www.synchronybank.com states that one can make " multiple payments ''. This is very important if you are paying on multiple promotions for healthcare, i.e. medical, dental, hearing aid, and/or veterinary bills. These bills have different ending dates for their promotions. They are generally 12 months in length. If not paid by end date, they will collect the combined 12 months of interest. So it is important to schedule all of your payments. 
I chose multiple payments BECAUSE if you don't your payments subtract from the oldest promotion on the bill first, applying nothing to the second or third promotion. Example : Promo 1 balance is {$300.00} ; Promo 2 balance is {$480.00} = Total Balance of {$780.00} 12 months of equal payments = {$65.00} They will only apply the {$65.00} to promo 1 and it will be paid off in 5 months. This leaves 7 months to pay on {$480.00} at about XXXX/month. You have to edit the payment amount online. I called customer service on XX/XX/XXXX and XXXX, 2019 to inquired why I could not make multiple 12 month payments. I logged on to make multiple payments, but you are only allowed to make a total of 12 payments in different amounts. Promo 1, I owed $ XXXX 7 months of {$53.00}. Promo 2, I owe $ XXXX/12 months at $ XXXX/month, but  only can schedule 5 payments, not 12. First call they told me you have to wait 24 hours to schedule another multiple payment, the second time, they told me it doesn't work that way. I have to call every month to tell them to allocate a certain amount that they received to each promotion. This is insane, not user friendly and appears to set you up for failure. 
Also, if you make 2 payments in one month and skip the next month, they will charge you a {$25.00} late fee!

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 2023-09-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, my consumer report has been experiencing multiple violations especially from Experian. I have viewed my consumer report and I see seven XXXX services accounts added accounts that I do not give consent to be added onto my Experian consumer report. In pursuant to 15usc1681b ( 2 ) I did not give written instructions from Experian to furnish my consumer report to XXXX loan services and other nonaffiliated third party corporations. Since I did not give written instructions of consent, this is violating the laws congress has put in place. This is identity theft because my personal information is being shared by Experian to third party financial institutions. I want like these seven XXXX loan services accounts deleted from my consumer report. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper Use of my Consumer Reportin accordance with the Fair Credit Reporting Act this creditor below has violatedmy rights under 15 USC 1681 section 602states, that I have the right to Privacy >XXXX XXXX XXXX XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 ( a ) sec 2, states that a CRA can not furnish an accountwithout my written instructions. Under 15 USC 1666 ( b ) a creditor maynot treat a payment on a Credit Card Account under an Open-ended consumer credit plan as Late for any Purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Over two months ago, I submitted an investigation request to Trans Union. They were supposed to respond within 30 days, but they have not.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is sent to your company in regards to the fraudulent accounts that I have found on my credit report after a thorough review. In my previous letter via mail I have asked your company to initiate a thorough investigation to validate the accuracy and completeness of the information on my credit report. This has been well my numerous attempt and yet you have failed to provide me with the resolution. As you know, your failure to investigate and delete this information has caused me so much inconvenience and hardships. -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-03
Company: Ascension Recovery Management
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail today XXXXXX/XX/XXXX from acension recovery management llc stating they are trying to collect a debt that I owe XXXX XXXX XXXX XXXX XXXX. I am unaware of this debt and tried to call the number provided to dispute ( XXXX ) and also the number on their website ( XXXX ) multiple times to each number and my call never gets answered nor do I have the option to leave a message. The letter states I have 30 days to dispute this charge which I am trying to do but nobody answers the phone at either number during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Received my statement email saying their was no payment due this billing cycle and no indication that their was a revolving balance. I always have paid on time and in full. Found out, there was a balance and was charged {$100.00} in interest. After I found out two days later, I immediately paid in full and after the customer service rep having spend 5 minutes explaining to me why I received an email that said no payment due, they said I still owe the interest. This is intentionally misleading and they should be ashamed to conduct business this way. I will no longer use this card as it's clear they'll use every tactic to charge you interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Experian Information Solutions 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:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called Experian, XXXX, and XXXX multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Mr. Cooper Group Inc.
State: ND
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Multiple complaints already. Apparently, I can email everyone else within Mr.Cooper. Except the one person I need to be in communication with. Due to Privacy Concerns. Which I don't share. To me, email is a fast, effective, secure way of sending and receiving questions, answers and, yes, documents of a personal nature. My side is secure. Mr. Cooper has recently sent me multiple sets of documents/responses via standard mail. Among them was a document for a couple in Texas. I have their names, address, loan number, payment dates and amounts... I jumped on their chat, which is finally unlocked for me, and they had me email a picture of the document to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX acccount # XXXX Date opened XX/XX/2020 XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-09-13
Company: BHFC Financial Services INC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Car was repossessed XX/XX/XXXX. I received about {$2000.00} in toll and parking tickets from dates way after the car was repossessed. BHFC financial services never sent me repossession paperwork that I needed in order to show the toll and parking companies that none of the tickets were my financial responsibility. I have been trying to get the correct paperwork for over a year from them. On XX/XX/XXXX I spoke to a representative named XXXX from BHFC about sending not the intent to sell paperwork ( which is what I have been sent previously and has the wrong repossession date XX/XX/XXXX ) but the repossession paperwork that showed the correct repossession date and towing company. She said okay. The next monday I received yet again the intent to sell paperwork. Nothing that shows the correct repossession date and towing company. On XX/XX/XXXX I called again to request the repossession paperwork. I spoke to a woman named XXXX who was very rude. She told me that the paperwork that they sent me ( intent to sell ) was all that I needed. I asked her for paperwork that showed the date of repossession and who repossessed the car. She then continued to avoid my question and gave me a phone number to the tow company who repossessed my car. I asked for her email so I could follow up with specifically her about our conversation and she replied " you can have your legal team contact our legal team. '' She refused to give me her email, and also refused to send the correct repossession paperwork. 
I would like this issue to get resolved without getting lawyers involved but, if it does not get resolved, I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: GA
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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same care credit account, but no updates of payments are reflective on my credit report. Also XXXX XXXX/ XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, Experian # XXXX and XXXX # is 2003 but all are the same account being reported..

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 2019-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-01-06
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Truist charged me XXXX overdraft fees for overdrafting by {$5.00}. On XX/XX/XXXX, my starting balance was {$76.00} and I made XXXX purchases for {$81.00} and it brought my account to - {$5.00}. I included photos from my bank app so you can see my starting total and how much I spent. Some of those purchases were still pending but I was still charged an overdraft fee for going negative. When the pending purchases posted, because of the overdraft fee, I did not have enough to cover them so I was charged XXXX more overdraft fees, bringing my balance to - {$140.00}. the fees were {$36.00} each, so {$140.00} + $ XXXX {$140.00}. no more than {$5.00} was ever overdrafted by me. I talked to the bank but they said they could only reverse fees once every 2 years. I think it's ridiculous I can be charged {$140.00} for overdrafting {$5.00}

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 2021-06-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore 's online payment system misleads customers when entering bank account information. They request a nickname for the account, so when people enter more than one account it's possible to tell them apart. But then when your payment is processed, they transmit the transaction to your bank with the account nickname they requested as the account HOLDER 'S name. 

In my case, I have an account with XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX. I intended to set up automatic payments through the credit union once we get our days off back at my station. In the meantime, I entered my XXXX information to make payments. I nicknamed it " XXXX '', so later I could distinguish it from the other account on their site. 

When Rushmore submitted my payments, the transmission began with " XXXX '' when it should have begun with my name. So, the bank returned the transaction. The first time this happened, they pretended they didn't know what went wrong. I know they were lying and just wouldn't tell me because the second time it happened, they did know and told me they could see clearly what was wrong. 

Both times, I set up an additional payment to keep my mortgage paid. After the second time, I finally knew what the problem was, so I nicknamed my bank account with my name to prevent this in the future. 

I spent hours on the phone with Rushmore trying to communicate that I wanted to ensure that I suffered no negative effects as a result of their website 's problem. Their collections department and supervisors responded on a per-sentence basis with non-sequiturs, insulted me, and condescended to me. I finally gave up without even being informed of what consequences I would face for THEIR mistake. 

Now my account is restricted to certified funds only. This means I'll have to call into work once a month, travel to the bank, pay the fees for a cashier 's check, pay the postage for certified mail sent priority, and wait to see if they are honest about receiving my payments and apply them correctly to my account. Going by nearly every review this company has online, they're likely to cash the check and claim they never received it. 

We're not legally entitled to pay online. A company can choose to offer that or not. I understand this. But this company deliberately sabotaged my payments to make it harder to pay, and will not cost me hundreds of dollars a month in addition to my mortgage payments, to punish me for their failures. This shouldn't be allowed. Even just having to call in once a month could get me fired from the XXXX XXXX. They could cost my family everything we have, and we've done nothing wrong at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt

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