BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opend : XX/XX/XXXX Balance : {$8800.00} ; XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$24.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2022-10-29
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be XXXX XXXX a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-05
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Mountain America Credit union has been pulling me in every so direction. Led me the wrong way when it came to financial situations. Its been over a year and I havent gotten anything. Resolve I just keep asking for help and they dont seem to get it. Some where it doesnt make sense as it is not getting handle. Its getting stopped or giving them more time to stall. I am very frustrated. I have been asking for help with payments and loans and business loan they kept saying they dont offer business or any relief or anything. They made us upside down on our auto loan. I dont know who else to talk to. They pulled our credit several times.they never offered help, we went in about 3 times and called over 5 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: ZWICKER & ASSOCIATES
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Unfortunately, due to a hardship I fell behind on my discover card payments and was no longer able to afford the monthly amount. They have now sent this to a 3rd party collection agency ( Zwicker and Associates ) who brought me to court over the debt. I have tried numerous times to enter into a voluntary monthly payment but they will only accept a lump sum pay off. 

On XX/XX/XXXX I spoke to XXXX a rep at XXXX about my situation. Advised I could hardly afford an extra $ XXXX let alone XXXX. I once again explain the details of my hardship at which point she offers me a payment of {$34.00}. I agree. Days later I get a letter in the mail that the payment is for {$3400.00}. I call immediately on XX/XX/XXXX and XX/XX/XXXX and leave messages on my reps direct line. No one ever called back. Of course the payments dont go through cause I dont have it and now Im charged all these returned payment fees. Still no call. I finally reach out again and they told me the agreement was for that amount and was noted as such in their system. I advised thats not at all how the conversation went and asked them to send me the recording. They advised Id have to send that request via writing, so I did. They advised theyd listen to the recording. I have yet to hear back or receive the recording and prior to terminating the call I asked again if there was any reasonable voluntary arrangement. XXXX the manager said no, other than the balance in full theres not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent Santander Consumer USA multiple debt validation request after i received correspondences from them about my vehicle that was already paid for from XXXX. Per the contract that i have it states XXXX and no indication of Santander Consumer USA. they sent me a copy of the same contract after i sent them a debt validation along with a cease and desist and an affidavit of Truth. I have yet to hear anything back from them. Also if they are stating that the contract gives them any security interest. full disclosure was not provided to me, which means that contract is fraud and there for null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Atlanticus Services Corporation
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called and asked why they closed my account, they said they had the right to close my account anytime for no reason. I feel they closed it because I am XXXX I feel discriminated against!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NV
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 am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the XXXX credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately : XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX  my written instructions to furnish any information to the credit bureaus. 

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 2021-04-02
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Our HELOC loan was transferred from the current lender to another lender. The new lender is using Specialized Loan Servicing to collect payments and service the loan. The statement we received for XXXX showed a payment due amount of XXXX, We were currently trying to refinance our first mortgage. We have waited on Specialized Loan Servicing for 3 months to register the deed with our county. They still have not. We were finally told their lender would not subordinate the loan and remain in second place on the deed. We made the decision to payoff this HELOC and refinance the first mortgage. The statement we received for XXXX showed a XXXX payment due. Since the decision had been made to payoff this loan and we had the payoff amount from Specialized Loan Servicing, we did not make any payment for XXXX. Keep in mind the payment amount due was XXXX! They contacted us on XX/XX/XXXX and wanted to know when we were going to make our payment of {$64.00} due on XX/XX/XXXX!!! The caller stated there was a past due amount and a {$25.00} late fee had been accessed. 
How can a late fee be accessed and a past due amount on a negative {$4.00} balance? Im confused!! Again today, XX/XX/XXXX, we received a phone call from SLS about the past due amount of as the caller stated {$4.00}. She failed to mention or notice it was negative {$4.00}!!! We were going to pay the penalty of {$500.00} to close this early due to the way SLS has handled the entire transfer over the last 3 months. Now, we should not have to pay the penalty, due to the repeated phone calls about a NEGATIVE payment due of {$4.00}!! The account is being closed and paid off because of the failure of SLS to conduct business with integrity.

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 2023-08-19
Company: Experian Information Solutions Inc.
State: AL
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 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  has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi 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 2023-02-22
Company: Experian Information Solutions 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:
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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 2023-07-07
Company: Experian Information Solutions 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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX 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 2022-11-29
Company: EQUIFAX, INC.
State: NV
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 at XXXX  account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( XXXX ), XXXX XXXXXXXX XXXX  amount of {$13000.00} ( EQUIFAX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy.

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: NY
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 have disputed several accounts on the report. The investigation did not provide the evidence I demanded. A new reinvestigation was facilitated and still did not provide the evidence I demanded. This company if fraudulently reporting accounts on my report per violation of 15 USC. 1681 a ( 3 ) without my authorization. Have taken no responsibility per 15 USC 1681 a ( 4 ) and further violations under 15 USC 1681 b ( 2 ) while they did not have my permission or instruction to do so. Further violations under 15 USC ( a0 for privacy violations and further, 15 USC 1681 9a ) 2 ( b ) demand for removal while these accounts have not been verified after the reinvestigation.! 5 USC states under ( a ) ( 4 ) that they must be removed. They are not being practical, providing information and while informing them of the law they blatantly violate the terms and conditions of my consumer rights. Further violations for statute of limitations on credit reporting for CPLR 202

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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
COLLECTION AGENCY XXXX XXXX XXXX XXXX/XXXXBalance was PIF XX/XX/2013. XXXX XXXX & she confirmed pyt rcvd XX/XX/2013. She corrected & sent me print out showing " XXXX '' bal. She was to have all credit bureaus updated. However, as I look today, the status remains the same. Please verify & update or better yet, remove completely from my credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an installment loan to consolidate my personal debts. The banker changed my application by changing the requested amount from $ XXXX to $ XXXX and adding my husband as a co-borrower. I did not want to do that, but she stated it would be in my best interest and would save me money. WE were denied and now MY credit score has taken a hard hit. I qualified for the $ XXXX. My credit score was in the acceptable range and I have 100 % of on time payments for the last XXXX  years in addition to owning my own home with no mortgage payment. I have also been with the company for over 20 years.

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 2020-09-29
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I was trying to transfer {$20000.00} dollars to my XXXX XXXX  XXXX  account ; XXXX XXXX XXXX  XXXX XXXX. It turns out that inorder to put U.S. Dollars into my account there, it is a differant set of account numbers, then what the account is titled. The transfer was rejected and supposedly sitting in New York. U.S. Bank had put a tracer on the transaction on XXXX XXXX and has yet to return my money. I have been working with US Bank VP XXXX XXXX for the original transaction and follow up. He assured me the money is in NY and nothing to worry about. 6 weeks later and nothing has been returned.

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 2020-09-29
Company: American Credit Resolution, Incorporated
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today alone I was threatened w/ police arriving to my home. I was called five times and hung up on each time ; when I called the number back, the woman said she was calling the authorities to check on my mental state because I refused to acknowledge a debt. 

I was verbally threatened and harassed, and threatened. Why is this happening without those creeps being held accountable for harassment!?

Company response to consumer: Untimely response