BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.

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 2022-11-12
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I made a substantial, large deposit of {$5000.00}. TD, at their discrepancy, held the funds for XXXX business days which caused a financial hardship. I was charged overdraft fees on my account XXXX, and I am now seeking reimbursement of {$170.00} of the overdraft fees. The money was taken from the account holder who issued the check within two days, and although the money was withdrawn, TD bank refused to release the hold and caused several overdrafts on XXXX of the accounts that I needed to transfer the funds. I am seeking reimbursement for the overdraft charges that I was charged to my account, XXXX. Reimburse {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested debt validation via certified mail over 30 days ago and the collection account still remains. They are at fault and must remove the collection account

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 2019-09-23
Company: Immediate Credit Recovery
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An acquaintance at XXXX XXXX University ( XXXX XXXX ) suggested I attend his XXXX program, ( back in 2017, I think ). I could not attend or enroll in any of his classes at XXXX XXXX University because I did not have the money to do so. He assured me that I would not be charged any tuition fees and that I would not be enrolled in or owe money for any of his classes. Nevertheless, I received a bill from XXXX. for thousands of dollars in tuition fees. I have never attended any classes at XXXX. nor, to my knowledge have I ever enrolled in any classes at XXXX. I complained to XXXX XXXX about the bill. He assured me that he would fix this problem. I now am receiving collection letters from Immediate Credit Recovery , Inc. ( a collection agency ). They say I owe them {$3300.00} for tuition fees at XXXX. ICR   : P.O.Box XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX XXXX. I also show this figure on my credit report and my credit score has taken a diveXXXX XXXX. has refused to fix the problem and ICR still sends me collection letters. Also, XXXX XXXX refuses to pick up his phone. Land line at XXXX. : ( XXXX ) XXXX, cell phone : ( XXXX ) XXXX. Fix this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hello, I submitted a request to all three major credit companies, XXXX, Transunion, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.

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 2019-10-11
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I applied for a refi on my home. Wanted to combine the 1st mortgage and the line of credit into 1 mortgage, thereby lowering the monthly payment. Sometime in early XXXX the loan was approved and we closed on XX/XX/XXXX, with the 3 day rescission disbursal occurred on XX/XX/XXXX. The 1st mortgage balance was XXXX thru XXXX XXXX + XXXX for the line of credit thru US Bank. My new mortgage is XXXX, with some extra money for a new roof. Somewhere around XX/XX/XXXX I started getting phone calls from US Bank about the line of credit payment not being made. Spoke with XXXX XXXX, the mortgage loan originator, and he said it will be taken care of. The calls & letters continued, XXXX kept saying it will be taken care of. Now, the lack of payments is being reported to the credit bureau, thereby affecting my credit score. Late XXXX XXXX told me it was out of his hands, and I should contact the bank manager, XXXX XXXX. 
Several phone calls, have never been returned. Spoke with the mortgage collection department, they don't know what to do to help me. Sometime in the last few days the balance has been paid, but it still has affected my credit score. I would like a letter sent.

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 2015-12-21
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank charged thousands of dollars unnecessary fees when I had genuine right to dispute things like being charged twice or XXXX right to refund as trains were late 2 hours both forward and back from New York XXXX. Genuine disputes included XXXX posting a new York hotel price of {$89.00} and actually charging {$110.00}, XXXX charging {$320.00} and both reverse and forward being over XXXX hours late, XXXX and XXXX charging a bill even though I told them not to, a number of other charges I cancelled, a taxi cab charged twice, a XXXX Charged multiple times for some reason the staff member swiped repeatedly. Genuine disputes resulted in overdraft fees when not XXXX of them were necessary. They were all genuine disputes like I told XXXX, XXXX or other companies that I did not want to make payments as employers did not pay. 

Please ask US bank to overturn the thousands of dollars in fees and charges. XXXX company pay day loan company XXXX XXXX and XXXX had me pay XXXX to each of them, but US bank also charged thousands of dollars in fees when XXXX and XXXX pay day loan group had already paid the debt through a different US Bank account through over drafting the account when I particularly told US bank they should decline the charges XXXX and XXXX put through as not enough money. XXXX accounts they have in collections involve debts that are just made up and are not needed ; unneeded overdrafts creating debts. The fact that a pharmaceutical sold by XXXX 's caused me to throw up after an XXXX trip to XXXX XXXX as I had been beaten with XXXX XXXX broken bones coming home from work after XXXX is just a dispute ... genuine dispute .... but not a reason to charge many overdraft fees. Disputes are not reasons to charge thousands of overdraft fees impoverishing people like me exposed to XXXX at the University XXXX XXXX as my first XXXX degree XXXX. A consumer should be able to dispute buying a lot of XXXX food linked to vomiting and dispute the fair or charge without being charged unneeded overdraft fees amounting to over XXXX. XXXX in overdrafts really is ridiculous I was told that number by XXXX of the employees over the phone that that was how much they charged for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Resurgent Capital Services L.P.
State: VA
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:
TheFCRAstatesthatthecreditbureausmustverifyallinformationthattheygetfromthebanks,creditcardcompanies,etc.,beforeputtingitonyourcreditreport.

WhattheCRAsmusthaveistheORIGINALSIGNEDDOCUMENTfromwhenIopenedthebusinessaccountthatispostedonmycreditreport.

Section609oftheFairCreditReportingActstatesthatIshouldbesenttheORIGINALSIGNEDDOCUMENTSinordertoverifyiftheaccountsarevalid.

SincetheyhavenotsentmesuchdocumentstheyareobligatedundertheFairCreditReportingActtodeletethoseunverifiedaccounts.

Therefore,IamrequestingthattheseaccountsbedeletedfrommyCreditReportAgencies.
XXXXXXXX-XXXXAccountsrelatedtothiscomplaint:Account#1:Collector:XXXXXXXXXXXXXXXXLastreportedXX/XX/2019{$630.00}OpenbalanceUNIVOFXXXXXXXXOriginalcreditorAccount#2:Collector:LVNVFUNDINGLLCLastreportedXX/XX/2019{$450.00}Openbalance12XXXXXXXXNAOriginalcreditorAccount#3:Collector:XXXXXXXXXXXXLastreportedXX/XX/2019{$170.00}Openbalance11XXXXXXXXOriginalcreditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
CREDIT Collection Service whos address is XXXX XXXX XXXX, XXXX, MA XXXX is reporting a debt under my name XXXX XXXX XXXX that I have requested validation. I have not received this request and it continues to be reported to the credit bureaus under my name in the amount of {$510.00}. I called on XX/XX/20 to request validation of account and I have not received. I called on XX/XX/20 and they said they have requested it from original creditor. I am disputing the validity of the bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: GA
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:
XXXX ( YOU ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( XXXX, Equifax, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments @ XXXX XXXX XXXX XXXX, Mi XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.

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 2022-11-12
Company: EQUIFAX, INC.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Carrington didn't take their mortgage payment. 
It's now XX/XX/XXXX I believe still no payments taken out. 
Received a delinquency letter saying to call. 
As I told you earlier I don't have phone service right now. 
I hope you told them that in your response to them. 
An in their delinquency letter they sent forms for Mortgage assistance. 
I don't need mortgage assistance. 
All I need is them to take their money out of my account. 
It's all there waiting for them to take it. 
My payment date since I got this place has always been on the XXXX of each month. 
Since 2020 In my mind they should be removed from V.A. loans. 
Since I had purchased this place. 
3 times other companies have bought the loan and direct pay followed the buy. 
But not them. 
I'm XXXX XXXX XXXX and know every little about internet working. 
This problem started when they took the contract 6 or 7 months ago. Took 3 calls to make payment. Before they told me where to go on internet to start their direct payment. 
They don't even have any respect if you told them I don't have phone service. To get a hold of me by email

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Account # 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 non-monetary relief
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

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 2022-11-09
Company: Lendmark Financial Services
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have 2 loans with Lendmark Financial, an auto loan and a personal loan. I took out the auto loan in XX/XX/2021 with an APR of 22.49 % and my monthly scheduled payments were XXXX. I took out the personal loan in XX/XX/2021 with an APR of 27.97 % and scheduled monthly payment of {$130.00}. 

The lender stated in the disclosures that these loans are legal under XXXX XXXX. XXXX the lender pre-computes the loan and adds the full interest owed to the outstanding principal balance. My starting principal balance was {$14000.00} for my auto loan. Had I maintain the loan for 60 months, I would have paid {$9600.00} in interest. 
My starting Principal balance was {$4000.00} for the personal loan and the {$2600.00} of interest owed after 4 years. 

Lendmark created a new principal balance whereby all payments made to the loans only pays the interest for the first 18 months or more. 
Due to their greed and perpetuation of this scheme, they change the loan to a hybrid interest only for the first 18 months without providing proper disclosure nor did they provide an amortization scheduled showing how the loan will be paid in full. I was never informed that the first 18 months of payments would be applied to the interest only and none of those payments would be applied to the original principal balance, I attempted to refinance the loan after 18 months and was told that none of my payments were applied to the principal balance. I am now forced to maintain a car that has a {$7000.00} value and I owed {$13000.00}. I am completely upside down. 

I was never given the proper notices. I am a victim of reverse redlining and predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX i checked all three of my credit reports and discovered that in XX/XX/2022 my old roommate opened a credit line from XXXX XXXX XXXX  for {$2000.00} and charged {$2500.00} on it in total. I did not open this account and am reporting this fraud. I have reported this to the Federal Trade Commision report number 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