BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-16
Company: Friendly Finance Corporation
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I became sick due to XXXX and fell behind a couple of months on the car note payments- XXXX XXXX XXXX XXXX account # XXXX The collections department from Friendly Finance Corporation has XXXX sending multiple emails regarding the car being placed with dispatch in order for them to repo the car on XXXX XXXX I made XXXX payment of {$410.00} and for the payments to be placed in an arrangement. 

I believe that the contract that I signed with Friendly Finance Corporation for this vehicle is a misrepresentation of what should be an honest contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-11
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2022 XXXX XXXX XXXX  Experian XXXX and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.

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 2019-11-25
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Missing my escrow $ 8,000+ escrow check from a house closing in XXXX from Flagstar Bank . They will do nothing to help. They said they can recut a check and I can wait for another 2 weeks but I need it to close on a house. I was supposed to have it by the XXXX of 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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have 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 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 and any 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 non-monetary relief
Consumer complaint received 2022-04-21
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: Account status incorrect

Complaint:
On XX/XX/2022 XXXX XXXX XXXX XXXX Transunion and XXXX unlawfully took adverse action against me by reporting unfair inaccurate reporting. I disputed the account for inaccurate reporting and TILA violations and XXXX XXXX TOOK IT UPON THEMSELVES TO ADD MORE NEGATIVE REMARKS TO MY REPORT WITHOUT MY CONSENT NOR WRITTEN PERMISSION. THE ACCOUNT WAS DISPUTED ON XX/XX/2022. XXXX XXXX XXXX XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.

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 2022-10-27
Company: FISERV INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX CT XXXX XXXX XXXX, Iowa XXXX XX/XX/2022 Money Network XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To whom it may concern, I am writing in hopes of getting the pending transactions initially held by XXXX Points by XXXX - XXXX, SD on XX/XX/2022, and released on XX/XX/2022, removed, so that I might regain access to my funds. 

I have made several attempts by phone, experiencing exceptionally long hold times trying to resolve this issue. 

I was told by your agents that these holds can last as long as XX/XX/XXXXdays. However, I was also told that if I get a statement from the hotel management on company letterhead ( faxed or email ), this time hold time can be reduced to XXXX hours.The hotel XXXX did comply by email. 

On my most recent phone call to support, I was told they see no record of the XXXX Points email, yet I was forwarded a copy of the email the hotel manager sent. Likewise, I forwarded my copy to the provided Money NetworkXX/XX/XXXXXXXX email address : XXXX and received confirmation of successful delivery. 

Please also find a copy of this statement enclosed. 

In closing, let me say that I have been a dedicated customer of Money Network for a great number of years, using your service for the direct deposit of my XXXX paychecks during my many years of employment with XXXX, as well as the past XXXX years direct deposit of my current employer XXXX XXXX XXXX paychecks. 

I need access to my funds in order to pay my bills. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: ACS Education Services
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had 2 complaints through CFPS on this issue. I need an address, phone number and person for Conduent Education Services. All addresses and phone numbers are either out of service or mail - not known at address. 
Including info received from Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than XXXX  days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-02-07
Company: AMERICAN EXPRESS COMPANY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Reconciliation between XXXX XXXX and XX/XX/XXXX revealed a deficit of XXXX a small amount but this, as explained, prevents me from completing production accounts. 

Reconciliation was requested for a set of business account related to tax accounts required for a documentary production valued at XXXX  XXXX. 

It was confirmed by 'Anthony XXXX the Amex representative that the company refer customers to fake supervisors. 

Call XX/XX/XXXX ... 

- Requested statement reconciliation allegedly 7-10 working days- XXXX/ customer service representative passed me to fake supervisor- XXXX the fake supervisor - promised supervisor would call 5-7 days - No supervisor call or confirmation of complaint sent to customer - XXXX sent escalation process XXXX email to escalations ) - nothing 17 days later ... no letter, email or XX/XX/XXXX ... 

XXXX XXXX / will try to put to XXXX XXXX called XXXX a fake manager- XXXX XXXX customer service representative ( senior consultant ) - Entire history explained to XXXX XXXX XXXX confirmed the complaint sent by XXXX XXXX XXXX confirmed that a complaint was raised and will take 15 business days XXXX confirmed case will be dealt with within to be XXXX working days. 

Today is when I needed this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-03-15
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from Oliver Adjustment Company , Inc that I owed a XXXX XXXX XXXX SC {$15.00}. I have never been to this location, I have never had an appointment there, I have looked through all of my appointments on my health care app and none are tied to this company. Oliver Adjustment Company states on their website that they are for " healthcare professionals '' and " pro fee healthcare collection specialists, '' but do not at all appear to be legitimate or professional. 

Their statement says they are located in the state, but their website domain ( .bz ) looks to be from another country and the site itself does not feel secure or professional. Plus the po box they want me to send payment to is on the other side of the state compared to their office locations if you XXXX the company. I tried to call to dispute my claim during their regular business hours, and they would not answer the call. The call booted me off and asked for a voicemail with more than 30minutes left to go for their business day, after having waited to speak with a representative. Their only other options to dispute is to pay to send a letter back, or use their website which authorizes them to use my information that I give them freely. 

If Oliver Adjustment Company was a legitimate business, then I would assume they would help collect for other reputable businesses. Instead, they claim people have debt for companies like XXXXXXXX XXXX XXXX whose reviews are riddled with the same issue I have ; illegitimate billing practices for procedures that were never rendered or were already paid for. 

The original bill was supposedly from XX/XX/2022. I have no appointments during that time period. All of my healthcare procedures for the year of XXXX were paid for. My healthcare app states all of my bills were paid, and my health insurance also has the matching information including my out of pocket maximum being reached so at the very least, if they were a third party, XXXX XXXXXXXX XXXXXXXX would have had to bill my insurance or the healthcare provider that asked for their services because I have already paid for all of my services. I have received no bills or late charges for any of my medical procedures. My credit report does not state that I have any accounts with XXXX XXXXXXXX XXXX 

I invite you to look into either company and their reviews and see how many claims are made against them for being fraudulent or harassing for debt that should not exist whether because it was paid or because the procedure never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX  and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-08-23
Company: SLM CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank is terrible evil they closed my account and refuse to send hilling statement for the amount owed their ruining my life credit history by not sending me statements to my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation