BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
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: Their investigation did not fix an error on your report

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2023-02-22
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Resurgent Receivables LL is attempting to extort me for {$1000.00}. I never conducted business with this ompany. They have my personal information without my written consent. They shared my personal information without my permission. I have a right to privacy. This organization falsely misleadi credit reporting agencies by defaming me without merit and just cause. They stole my personal information. They are attempting to collect a false debt and reported the false information. This is defamation. I have a number of tines to contact them and other credit reporting agencies without justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing my credit report due to identity theft. I have sent the correct paperwork including my FTC report to the credit agencies and submitting disputes to remove these fraudulent accounts. The disputes are nto being filed correctly and the paperwork is not being attached. And I am not getting copies of the verification process according to the FCRA

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 2021-11-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit card opened fraudulently in my spouse and is name, contacted discover to report the issue Discover continues to email me constantly telling me I owe them money or they will send it as a charge off My wife is an authorized user This account was not opened by either of us The accounts that are ours, is 2 checking account and 2 savings account. Wife has 1 credit card. I am not an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In Accordance with the Fair Credit Reporting Act. The list Accounts below has Violated my Federally Protected Consumer Rights to privacy and Confidentiality under 15 usc 1681, -B. 

Account Names/ # : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX All of these Accounts have Violated my Rights.

15 u.s.c 1681 Section 602A. States I have the rights to Privacy.

15 u.s.c 1681 Section 604A 2 States A Consumer reporting agency cant furnish a account without my written Instructions, or have reasonable cause to believe that the information being reported is inaccurate.

15 u.s.c 1666B States that A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose.

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 2023-03-09
Company: SUCCESS MORTGAGE PARTNERS, INC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Success Mortgage Partners Inc. - Predatory Lender. 

I started my VA Loan in XX/XX/XXXX with Success Mortgage Partners. Loan was sold to XXXX Mortgage Co, and I applied for a forbearance with XXXX and was approved in XX/XX/XXXX due to some health issues etc. Mortgage was repurchased by Success Mortgage Partners in XXXX. Success Mortgage Partners refused to honor the forbearance and demanded immediate payment. They have called numerous times demanding payment, or they would foreclose. 

During this whole time, I have only received 2 mortgage statements ( XX/XX/XXXX and XX/XX/XXXX ). I thought it was federal law that a mortgage company had to provide statements and notices monthly. The one statement in XX/XX/XXXX showed NO Overdue amount. Then they called me at the beginning of XX/XX/XXXX threatening foreclosure again. 

I never receive any notices, it's always a phone call. They also never verify my identity when I call them. All you need is the loan number, and they divulge personal information without hesitation. They have also refused to pay my Homeowners insurance which was sent to them in XX/XX/XXXX and due to expire XX/XX/XXXX. 

Please Help. 

XXXX XXXX American Veteran

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.

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 2019-11-23
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Ally Auto Financing has had a repossession agent by the name of XXXX XXXX, call people from my social media accounts. XXXX XXXX called me through XXXX to tell me, XXXX XXXX, and a few others. XXXX acted as if she was a family member looking for me and was concerned. Others have said she told them I owed a debt and it was in serious stages of collections. WOW! 
These people were not listed on my reference sheet nor are they friends close enough to me to know my private business. I know that they have been calling these people from my social media accounts since I made the last payment, which is behind due to the XXXX XXXX which caused a loss of wages. My significant other and I have been in contact with other agents from the same department, excessively. However, XXXX XXXX, a new agent obviously, says she could not get us on the phone. This is a misunderstanding. We talk to everyone from Ally. Why she was unsuccessful is beyond me. She has brought embarrassment to me and has violated my privacy act. The Fair Credit Reporting Acts under articles within the 600 codes prevent any debt collector from privacy violations that were not  approved by me with my original signature during the initiation period of the agreement.

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 2019-01-05
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be  treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Kia Motor Finance claim I still owe {$680.00} when the car was totaled and my Gap Insurance covers the entire balance but theyre still reporting a balance when it supposed to be deleted off my credit report on XXXX XXXX and XXXX. I have recorded conversations and documents stating that this account was going to be deleted off my credit report once Gap covers the balance which they did. Now I will be filing a lawsuit in small claims court because my life has been messed up for 6 years from Kia Motor Finance for their injury to 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 2021-07-17
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After disputing this issue has identity theft it continues to be on my account. This is a loan someone got online using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2022-12-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last 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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company misallocated my on-time payment to another customer 's account and incorrectly reported my account as late. 

Account in Question : XXXX XXXX  incorrectly reported as late in 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00}

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 non-monetary relief
Consumer complaint received 2021-11-07
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n 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. 



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  have 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 an 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.

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

has violated my rights. Or list of inquiries 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 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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

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 2023-08-20
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 explanation
Consumer complaint received 2023-03-03
Company: Winklevoss Exchange LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Trying to have reward forward to my checking account. Gemini ( the company ) said that that my bank is not verified when it's the same bank and same checking account I use to pay my bill. I don't understand why they just can't forward my rewards to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address. 
.

Company response to consumer: Closed with explanation