BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: Alliance One, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Their investigation did not fix an error on your report

Complaint:
TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.

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 2022-11-02
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few years ago our account manager for XXXX XXXX  messed up our property tax through escrow. When we refinanced in 2020 they messed up the escrow adjustment again. Last year they started estimating our taxes at XXXX per year instead of XXXX and started charging XXXX per month for the escrow acct. I've called them several times to have this readjusted and keep getting told there is nothing they can do until XXXX XXXX releases our second installment bill which may be months from now. My escrow acct has XXXX in it and they're still having me pay XXXX a month into it

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 2021-07-12
Company: EQUIFAX, INC.
State: IL
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:
Account # XXXX - XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. The charge off was not updated as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
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 XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have made multiple attempts to rectify this issue by reporting the fraudulent inquiries that appear on my consumer report. Your actions have caused me significant mental and financial distress, as you have issued an inquiry that is not associated with me and for which I bear no responsibility. This incident is a clear case of identity theft, and I am prepared to pursue legal action if my complaint is not addressed promptly and appropriately. These inaccurate and fraudulent entries on my consumer report have prevented me from fulfilling my dreams, such as purchasing a house and meeting my family 's needs.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
THIS IS NOT FILED BY A 3RD PARTY OR A CREDIT REPAIR AGENCY.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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. PLEASE PROVIDE THE 4 ITEMS BELOW. IF YOU CAN NOT PROVIDE THIS INFORMATION PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT OR I WILL BE FORCED TO CONTACT THE FEDERAL TRADE COMMISSION, FILE A LAWSUIT, AND CONTACT THE BBB to REPORT FRAUDULENT ACTIVITY.

Please provide me with 4 pieces of information regarding all of these accounts below. 1. The Original Contracts of these accounts with my signature on it. 2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  If you can not provide this information please REMOVE these accounts 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 2023-10-24
Company: Maximus Education, LLC dba Aidvantage
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have contracted Aidvantage by telephone each month from XX/XX/ XXXX  - XX/XX/ to know when my XXXX Lawsuit Settlement Agreement refund for my Parent plus loan for XXXX XXXX will be processed. Each of their Customer Service representatives have said that the refund is pending, but could not give me a specific timeframe as to when the refund will be processed. 

The settlement refund owed is 6 figures and continues to collect interest while in forbearance. Without a specific timeframe, at least 30 days notice, Aidvantage could possibly take as many years/decades as they want to process this refund without any recourse to them. 

I would appreciate them being held accountable for a timely/reasonable processing time for these refunds, before I have to notify my Congressional Representative as to their practice in executing the XXXX Lawsuit Settlement Agreement .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I was discharge in XXXX  XXXX In XX/XX/XXXX I was trying to clean up my credit I dispute some items that were on my credit report After the dispute was finished, my report said Charged off as bad debt Profit and loss write-off, it said bankruptcy before the dispute I lost XXXX points because I disputed something I called Transunion, spoke to a rep They told me to call the reporting company I called XXXXXXXX XXXX XXXXXXXX explain to them I was discharge in XXXX XXXX and they were listed in it I had my attorney to call them I at the end of XX/XX/XXXX I send written notice to all three credit reporting agencies with disputes XXXX and XXXX removed XXXX, but not Transunion Today XX/XX/XXXX I received another notice that I missed a payment The credit report is still showing Charged off as bad debt Profit and loss write-off A total of XXXX point were taken off my credit report over misinformation by 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 non-monetary relief
Consumer complaint received 2023-01-30
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries. 
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 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 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 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

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 2019-03-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2019 at XXXX XXXX, XXXX XXXX contacted my house regarding a debt owed by someone else. I was awakened at that terrible hour and recontacted the caller who left the message ( XXXX XXXX ). She advised that I was listed as a reference for XXXX XXXX and that she needed to speak with her about a debt to XXXX XXXX XXXX. I explained to the collector, that XXXX XXXX didn't live there and that it was XXXX XXXX. She basically had no compassion and said " well it is XXXXXXXX XXXX my time, so I am within my rights ''. I advised her that she was in fact in violation of Debt Collection laws and that it was very simple to run an area code and find out that I am in Arizona and that she was in violation NOT only because of the harassment, but I wasn't even the debtor. 

While I had received a few calls and messages, this was the most extreme and after the lecture and a request to remove my phone number, I have not been recontacted -- however, I did contact the family member and was advised that a payment plan had already been worked out prior to that time -- so I was needlessly awakened because the internal communications were not even in order. 

I have attached a photo of my caller ID showing the time/date and caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I have been a " loyal '' American Express cardholder for over 30 years. As far back as I can remember, I have a flawless payment history. The latest humiliation/discrimination regards covid-19 relief. This allows members to postpone payment without penalty. I was hospitalized earlier this year due to Covid 19 and have had financial challenges since. I did use the benefit once since then but did make my payment as promised. Because of continued hardship, I was unable to make my payment on time. I requested an extension per the relief offered to all American Express members. It was denied but I was told I still had until XX/XX/XXXX to make payment without penalty. I can and will keep my word. However, when I asked why I am being denied ( please remember I have been a " loyal member '' for over 30 years with a flawless payment history, their agent in the finance department could not answer. He then attempted to get further information from his supervisor but it was denied. No further information was provided. All I could get was apologies but absolutely no information as to why the benefit for which I paid a large annual fee was denied. Again, given my very long history with American Express and an excellent payment history, I was denied a benefit provided to all members. I feel that I a being singled out or penalized and what is worse is, no one will tell me why. In XX/XX/XXXX, I used my card extensively and still paid my bill in full and on time. Their response was to lower my available credit. They wanted to confirm my income. I provided it and it was still not enough reason to restore my credit line. I do not know why this is happening but I am very offended. I feel discriminated against and I am not even able to defend myself or rectify the matter - if any. I am no longer happy with American Express. If, after enduring all these years, and going through Covid 19 are not reason enough. to be a proper member of this " club '' then they do not need my business and I shall let everyone know of my trauma. This is a trauma because every time I have needed my American Express, at the most inopportune times, they have let me down. I no longer believe in their " Don't leave home without it '' motto. It is misleading and they don't provide their services as offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/XXXX a balance transfer was made using a Citi credit card in the amount of XXXX. This was to pay off an existing balance with XXXX XXXX XXXX XXXX XXXX credit card ) The payment was reversed and XXXX XXXX said they never received the payment. I called and spoke to multiple different representatives all giving me a different story. The first lady I spoke with said the check was canceled because it had not been cashed within 30 days. I had asked her to reprocess the balance transfer but in a different amount of XXXX. This transfer was done correctly and the original one was processed again, even though i had told her not to reprocess. Even with the reprocess of the original payment XXXX XXXX never received it. I called back Citi again in XXXX of XXXX when I noticed the amount was back on my XXXX XXXX credit card statement. The person I spoke with did some research and found that Citi had my account number for XXXX XXXX  incorrect. I was told the balance would be credited back to my Citi Bank card in XXXX of XXXX but it never was. I called back and was told by another person the amount would be automatically deposited into my bank account within 3-5 business days, which I then gave him my bank account information. The funds were never deposited. I again called back and was told by someone else this payment was cashed and it was not their problem. I also did a 3 way call with both Citi and XXXX XXXX and went through my entire statement and they told Citi Bank they never received a payment for my account in the amount of XXXX. Citi Bank sent me a copy of the original check they claimed had been cashed. This was faxed over to XXXX XXXX back in XXXX. The payment again got reversed and is back on my XXXX  XXXX statement. I called them today XX/XX/XXXX and they told me the copy of the check I sent wasnt cashed by them and they did not receive the funds. At this point Citi Bank is saying it has been cleared but this payment was not cashed by neither Me nor my XXXX XXXX account with XXXX XXXX. This payment has been cashed fraudulent by someone and Citi Bank has not been willing to figure out how or by who.

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 monetary relief