BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Regarding this closed compaint. XXXX about TRANSUNION 1 ) Tried to submit feedback via the link provided on your site and can not load the page. Page doesnt work and times out loading the submit feedback page <<< 2 ) Transunion responded they remove records from a credit report greater than 10 years of being reported closed, even for accounts in good standing. As such some of my accounts that were greater than 30 + years old were removed from my history, thus removing any evidence of my long standing good credit history. As such my oldest age possible account according to Transunion reporting practices is now limited to 10 years. FICO uses ones oldest accounts along with newest accounts to calculate an overall average credit age and a longest standing account age where both factor into your overall Average age of accounts that makes up of 15 % of a FICO score. This is an unfair reporting practice, particularly obvious for someone in my situation, because I used no credit during the last ten years. A competing credit reporting agency still has my credit historical records listed and my scores are much better. So either FICO should change their scoring models to be more adequate to consumers or Transunion should not be allowed to change your average age calculations by removing older, in good standing credit records from your history

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 2023-03-01
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I began a lawsuit against my HOA last year after they began collection activities in XXXX and placed a lien on my home. Starting last year, they began refusing payments made toward HOA assessments. Additionally, a non-attorney provided legal advice in her correspondence with me ( XXXX - XX/XX/XXXX ). 

Additionally, I disputed the initial letter they sent and they failed to identify the original creditor of XXXX of the fees. 

I am a " consumer '' under FDCPA. and I allege XXXX, retained by the Association to collect the debt, is a " debt collector '' under the FDCPA. I also allege that XXXX violated the provisions of the FDCPA by attempting to collect future costs that I do not owe. The debt I owe to the Association arises out of a transaction entered primarily for personal, family, or household purposes. 

The file named " XX/XX/XXXX '' was the initial collection letter and the letter named " XX/XX/XXXX '' was the follow up after I disputed. I've also included a copy of the letter accompanying the lien they placed, named " XX/XX/XXXX. '' Please note to whom they state to make my payment payable as XXXX Parkhomes. The {$150.00} Transfer Fee belongs to In XXXX XXXX as shown in Attachment A of the PDF named " Contract '' which is the agreement between XXXX XXXX and In XXXX. They waived this fee in the file named " XXXXXXXX XXXX XXXX XXXXXXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have a problem with the Paypal financial institution since they blocked my account for 180 days with the promise that after these days they would return the balance ( XXXX XXXX ) that remained in my account during the entire blocking period ( 180 days ) This was not so. Wait the time that Paypal told me but at the end of the period they did not return my money and they kept it I tried to solve the problem by calling their customer service and they told me that the money could no longer be returned to me for reasons of an alleged fine. I think they are stealing money from me that I already work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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:
In XX/XX/XXXX, my federal student loans were forgiven as part of the Public Service Loan Forgiveness Program. I received the official later the next month ( dated XX/XX/XXXX ). The student loans continued to show on my credit report. In XX/XX/XXXX, I filed disputes with the credit bureaus which were closed when XXXX incorrectly reported that my loans still maintained a balance. I emailed XXXX and recieved no response. I think called XXXX and was told the credit reporting process had started in XXXX, but could take up to 90 days ( I was given a day in early XXXX as when the process should be complete ). I then recieved a response email ( after the date I was given over the phone ) stating that credit reporting could take 60-90 days. I responded that it had been over 90 days, but received no response. On XX/XX/XXXX, I called XXXX. After providing the above information, I was transferred to the resolution center. I've currently been on hold waiting for someone to answer for XXXX minutes.

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 2022-04-08
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is for a collection account on my XXXX credit report. The account showing is Mountain America CU. Listed XXXX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my XXXX report and as well any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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:
I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I needed the following items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included the items in my previous Complaint & I am including them once again.,

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 2020-03-24
Company: DISCOVER BANK
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a Discover Card and was approved, then they send me an email to sign so they can verify my information with the IRS, then they close the account. Mind you I received the credit card and couldnt use it. Why approve me and then close the accoit. Discover Card is a SCAM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I dispute the accuracy of my credit report and received a letter from TransUnion stating that my information had been verified and that it would send a copy of the corrected report to the business which had received the inaccurate report. However, when I called the toll free number and provided by file number, the employee refused to send the corrected report that I had been promised. This is very irritating.

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 2020-07-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I setup a bill pay for my mortgage. The funds are taken out in 2 payments and the first payment is taken out around the 6th and the second payment is taken out on the XXXX. 
Lakeview ( XXXX ) calls me EVERY month because they said they didn't receive my payment, but the funds are removed from my account. I call my bank and they verify that the funds were taken out of the account. 
When you try to call the mortgage company. You have jump through hoops and ladders to speak to a live person. 
This is extremely frustrating and causing unnecessary stress. I can't change loan company unless I refinance. I can't refinance because my mortgage is still new ( 7 months ). There is a plethora of negative negative reviews against this company and I am adding my complaint to the list. 

I hope you can help me rectify this 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 explanation
Consumer complaint received 2023-03-08
Company: OneMain Finance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Unable to make full payment due on XX/XX/XXXX. Made half payment on XX/XX/XXXX after receiving and responding to a text message from One Main Financial on XX/XX/XXXX stating " OneMain : Would it help if you could make a one-time reduced payment of {$220.00}? You would resume XXXX r payments going forward and are still responsible for any other past due amounts. We're hereto wor k with you, so text me back or call XXXX for eligibility. '' Despite making partial payment, One Main Financial continue to place harassing phone calls to me up to XXXX times per day. I spoke to branch XXXX XXXX on XX/XX/XXXX who incorrectly said i was XXXX months late. I corrected her and advised i was only late XXXX a payment total for XXXX which she argued with me about and was adamant I was XXXX payments behind and then agreed and stated I was correct and was only XXXX payment behind. I advised I was in between jobs until XX/XX/XXXX and would not be able to pay until first check received. She then proceeds to ask when I can make the half payment I am late and she can't set up payment assistance as promised in text because I didn't have current pay stubs and I was only XXXX payment behind. She was very pushy and did not listen to me. I told her to move forward however she wanted since she wasn't listening to my situation and I was unable to pay XXXX payment at this time. Advised her to is she keeps calling multilple times per day and I would have to block their calls. I continue to receive multiple calls per day from One Main Financial from different numbers from their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
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: Their investigation did not fix an error on your report

Complaint:
After realizing I had become a victim of identity fraud, I made contact with all three of the major consumer reporting agencies to inform them of this matter. In addition in included several dispute letters and also a copy of an identity theft report. Since reaching out to Transunion, they have yet to provide accurate verification and has failed to abide by the Fair Credit Reporting Act. It has been over 60 days and Transunion has not blocked or removed the fraudulent account in XXXX XXXX acct # XXXX. I have sent Transunion several pieces of documentation including a copy of my driver 's license, social security card, and utility bill with my most up to date current information supporting my claim. Transunion has failed to adhere to sections 605b, 609, and 611. It is clear my consumer rights are being violated and continue to be, in addition of my denial of credit due to inaccurate information being reported on behalf Transunion.

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 2021-02-09
Company: WEICHERT FINANCIAL SERVICES
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Welchert Financial Services failed to pay the first half of my XXXX property taxes out of my escrow account, despite full funds in my account to do so on time. 
XX/XX/XXXX I received a Delinquent Property Tax statement from XXXX County Treasurer in XXXX, Idaho, with a late charge of {$24.00} plus an interest payment of {$12.00}. I am fortunate enough to have funds available in my checking account, and I am never ever late paying my bills. Therefore, I called XXXX County Treasurers office and paid the whole year 's worth of XXXX property taxes plus the late fee and interest charge. 
Then the same day, XX/XX/XXXX I called Welchert at XXXX and spoke with XXXX. She said payment was made in XX/XX/XXXX for {$1200.00} for parcel XXXX. Right amount and parcel number, so, I called XXXX County Treasurers office at XXXX XXXX and spoke to XXXX, who said there was no record of my property taxes having been paid by Welchert in XX/XX/XXXX. So, I called Welchert back and spoke to XXXX and I told her my taxes were NOT paid by Welchert and she opened up a case. 
I called again XX/XX/XXXX to follow up and there was no status change. 
I called Welchert again XX/XX/XXXX and spoke with XXXX, still no status change. 
XX/XX/XXXX I emailed a PDF of my original tax bill and the delinquency notice to Welchert Customer service. 
XX/XX/XXXX I called Welchert yet again and spoke to supervisor XXXX, still no status change. I called XXXX County Treasurers and finally got them to email me a proof of my paid taxes, interest and late fee and I emailed that to Welchert Customer service. 
XX/XX/XXXX I received a letter dated XX/XX/XXXX from Welchert saying they are working on the issue. This has gone on long enough with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX XXXX For some reason I did dispute an incorrect credit usage and you guys instead to fix the issue reporting the correct amount on my credit card delete my card from my credit and I do not know why you guys did that? I need the report of my XXXX CARD back to my credit report including TransUnion. 

Please I hope that you guys can help me with this situation my credit decrease 69 points!! Its not fear I have been working so hard on my credit. 

Warm regards,

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 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion CLEARLY did not perform a proper investigation of the account XXXX XXXX XXXX ( account # XXXX ) and sent me a copy of my credit report claiming the account was verified as accurate and updated. 

The account balance on Transunion reads {$3400.00}, XXXX reports the balance as {$3400.00}, and XXXX reports the balance as {$3100.00}. 

All of these amounts can not be correct. According to Metro 2 standards all reporting must be 100 % accurate. 

Your company clearly did not do a thorough investigation to make sure the information you were reporting is correct. 

This is my final attempt to rectify this situation. Failure to comply will lead to your willful non-compliance violation of my consumer rights.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
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 : XXXXXXXX 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 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 2023-02-28
Company: SANTANDER HOLDINGS USA, 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:
my credit report is showing a auto loan from Santander consumer usa for the about of {$37000.00} opened on XXXX XXXX XXXX. this account does not belong to me and I would like it removed from my account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Amsher Collection Services, Inc.
State: TX
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:
Amsher Collections Services # XXXX is mistakenly reporting to my credit. I have called Amsher Collection Services and XXXX and both have failed to provide me with proof and verbal explanation of the alleged debt owed. In fact, Amsher representative states that they don't even have me in their systems. Futhermore, I have asked for an itemization for the alleged debt owed from Amsher & XXXX and have not received anything. I have been getting the run around for months in trying to get this matter resolved. Please delete this account from my credit ASAP.

Company response to consumer: Closed with explanation