BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
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 without 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-09
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a random message from a suspicious email on XXXX XXXX, 2022 called XXXX, claiming that XXXX uses XXXX TRS Recovery Services '' to process customer payments. This email claimed that XXXX was unable to process a transaction without naming what the transaction was, and that I owed money to Amazon. I then received at least 2-3 letters from this TRS Recovery services XXXX claiming that I owed money to XXXX. 

I ignored the first letter, but they sent me another letter telling me that I need to write or call them to dispute the debt, although they were asking me for all of my personal information ( bank account numbers, etc. ) on their dispute form. I of course did not give them any of this information, and I reached out to XXXX on XXXX XXXX, 2022 to ask them about this company. The representative that I spoke to via chat confirmed to me that I do not owe any money to XXXX, that they would contact anyone directly for billing issues, and that they wouldn't go through a XXXX party company to contact customers about billing or debts. 

This company keeps sending me letters and falsely claiming that I owe money to 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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  and TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion or XXXX  any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction that I am complaining about.

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 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
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 have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have qualified for 10-year Public Service Loan Forgiveness since XX/XX/XXXX. I submitted the proper applications and PSLF Forms to my loan servicer XXXX in XX/XX/XXXX. XXXX notified me that I meet the threshold for forgiveness and they are awaiting approval from the Federal Student Aid Bureau. In XX/XX/XXXX my loan servicer was transferred from XXXX to Mohela. I have yet to have my loans properly discharged. I contacted Mohela in XX/XX/XXXX and XX/XX/XXXX and they advised me that they were waiting for a response from FSA and to wait XXXX business days. I contacted Mohela again in XX/XX/XXXX. They escalated my issue to a Mohela supervisor who sent an additional request to FSA and advised me to follow up in 30 days. I followed up today and they still have not received a response from FSA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My timely mortgage payments were incorrectly applied as " ADDITIONAL PRINCIPAL '' and " MISC RECEIPT ''. As a result, I have been charged multiple late fees and my account was reported delinquent to all 3 credit reports. This caused my XXXX score to drop XXXX points and credit card companies to cut my credit lines. 

Attempting to get this corrected with TD Bank has been a nightmare. There are two groups involved, the mortgage servicing group and the collections group. They use different computer systems, can not see the same notes and information, can not/ do not talk to each other, and updates on one side can take " several business days '' to be viewed by the other side. 

The result is a multi-hour phone tag where I am continually transferred from one group to the other. I am repeatedly told by the servicing group that they see my account is still in forbearance, which obviously makes no sense since at the same time they say I have payments due and am delinquent. 

When I call the collections group, they assure me that there are " notes on the account '' to fix the issue, but they can't actually fix the issue, nor can they tell me when this will be fixed, nor am I allowed to talk to anyone with any authority. I'm fed up with this and it's a waste of my time. 

This whole issue began because TD Bank changed my mortgage payment 1 month after forbearance ended, which caused my original XXXX payment to be {$40.00} short. ( I thought escrow adjustments were supposed to be made only once per 12 months? ) I didn't know about this adjustment because in the year 2022, TD Bank does not have online mortgage statements. Even though I immediately made the extra {$40.00} payment once informed in XXXX, this still has not been applied and my account remains delinquent in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XXXX. My account was transferred from XXXX XXXX to XXXX XXXX XXXX XXXX. When this happened, My account was listed as CLOSED with all credit reporting agencies, XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX, My account was added back to Equifax. In XXXX of XXXX, my account was added back to XXXX. As of Today XXXX. 14 months later, My account is still not on my XXXX XXXX credit report as an Open account. It is still CLOSED. I have made ALL payments on Time. I have contacted the credit union directly multiple times. Evidently the employees I have spoke to Do not clearly understand what they need to do to fix my credit report. It is not the reporting agencies that have the issue, it is XXXX XXXX XXXX XXXX XXXX XXXX that has the issue with reporting my account correctly. I recently checked my Equifax report and saw that the balance on my account had not been updated since XX/XX/XXXX. I sent a dispute through Equifax on XXXX for the balance to be updated. On XXXX I received notice that the account was Closed. The account is still Open with a balance. 
Currently only my XXXX report is correct. 
The last time all of my reports were correct was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MI
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 identity was fraudulent used as was personal information of mine by some company stating I stayed somewhere that I never have and upon further personal investigation I discovered, Doesn't exist. 

The debt was eventually SOLD and has since impacted my credit which EXPERIAN allowed WITHOUT CONSENT OR PROVIDING ME PROOF and has been since baggering me with calls constant mail And openly sharing fraudulent information

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 2020-08-07
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have attempted to setup accounts now on XXXX and XXXX investment accounts. These Institutions use XXXX services to manage money Transfers. My bank is PNC Bank. They have cancelled transfers using XXXX   transfer platforms. I CAN NOT ACCESS MY OWN FUNDS TO TRANSFER ELECTRONICLY WHICH IS LIMITING MY INVESTMENT OPTIONS. This is very frustrating. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
USAA, states payment was not made, on account which it was bank statement show this to be the case as well USAA put payment to wrong account and knew this to be the case and lied about it USAA stated was going to make the change put to right account The right account was the XXXX XXXX, payment was XXXX that was paid on time USAA did not fix the payment as stated over the telephone, just left it the way it was rather than to fix there mistake they made don't know if this was the case or not with wrong account? 
USAA went into card holder visa card account and with out NO right to do so paid XXXX dollars out of card holder visa account to the XXXX XXXX account with out card holder permission, that is a violation of the credit card agreement, USAA states this was done because the payment was not made on the XXXX XXXX, and because policy was in its renewal stage, as well the policy was delinquent because of the XX/XX/2023 payment was not made but it was, USAA knew that it was? 
USAA put payment to wrong account from what they stated, card holder did not know of this payment from the visa card until the statement was mailed out this is when card holder call to find out what was going on with the two accounts, nothing was change as stated by USAA, representative she stated was going to fix the accounts, but never did, and just went to the visa account and paid the XXXX XXXX payment the XXXX, USAA states the only thing that can be done is for card holder to pay the XXXX first and than they can put the XXXX back on the visa card account, not thinking that the car policy is wrong as well, card holder believe this was purposely done, base of the fact first payment not made, late charge of XXXX, went into visa account for payment, put payment to wrong account from what was stated, never fix the account, whats up with that, this is the second time had to file complaint about USAA pattern and practices, with card holder accounts, the last complaint was as well the visa account, this has to stop, card holder has been a long and out standing card holder for USAA, who as well has the XXXX XXXX, XXXX XXXX, as well a vias card that was paid off just last month for {$7100.00} dollars, in full and now USAA does this to there belove XXXX XXXX Veterans? " seriously '' thinking about canceling these contracts with USAA this is how they care about " VETERANS '' this last part is for [ CFPB card holder file complaints in the past and nothing was ever done so this will be the same protocol as before, it is what it is, ] at least the Public can review how USAA is helping there Military Veterans, I'Im just saying, and keeping it real Thank, You Card holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: FL
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:
On the XXXX of XXXX I wrote to Equifax via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Equifax letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Equifax my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC XXXX report number as well as any other information I could provide. I would like this account blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions Inc.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2022-02-09
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I am purchasing my car at lease end due XX/XX/22. The agreed documented contract price is XXXX. 
I contacted the Audi Financial services dept, they said I needed to go to the dealer. Contacted the dealer on XX/XX/22, let them know I am buying the car and they emailed me a document, with multiple ambiguous dollar sums totalling XXXX. 
They included service contract XXXX which they removed. 
The base amount they used was XXXX, it is clearly on the attached contract as XXXX, then they added fees of XXXX, added government fees of XXXX, 7 % tax, I argued Florida is a 6 % tax state they argued it is 7 %. 
They said they, ( the XXXX dealer ) has to buy the car from XXXX financial, and that changes the residual value on the lease agreement. 
I read blogs where other people report there is NOTHING the laws do to protect consumers and they can basically charge whatever they want. 
So I ask what the purpose of sn " agreement '' is in the first place. My hands are tied I have to sign these documents, and when I try to get resolution the narrative will become " well she signed the documents '' because I will run out of time here. I CAN NOT believe the public is not outraged by this shameless manipulation and NOTHING is being done to stop these deslerships from taking advantage, snd not honoring their own contract. This is so wrong, adding XXXX to the buyout price alone tells me there is a real problem here. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: LEXISNEXIS
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a public record being reported on my credit file, and it says that the data furnisher is the bankruptcy court, it also says that this bankruptcy was discharged on XX/XX/2016, I disputed this bankruptcy with the credit bureaus because it doesn't seem correct to me. First I never filed for bankruptcy, I told the credit bureaus that this was another persons bankruptcy and that the person has the same name as me. I contacted the court and asked about this matter and they told me that the courts do not share bankruptcy information with the credit bureaus, another thing that isn't correct is the address on that bankruptcy because it says XXXX XXXX XXXX, XXXX, Ma XXXX and I have never lived at that address. I live in XXXX, Ma and my address is XXXX XXXX XXXX, as I was looking at my credit report, it says that they get this bankruptcy information from a company called Lexis Nexis, I don't know what that company is or what it is that they do. When I disputed this bankruptcy with XXXX, XXXX and XXXX, for some reason it came back as verified and that it was accurate and this can not be right. I need this public record deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive been in contact with the company listed as the collection agency and they have sent me a letter stating they requested that all 3 credit bureaus delete the incorrect information.XXXX  as well as XXXX have removed it but Experian refuses to remove the information. Ive sent the letter to Experian stating it should be removed. Ive been going through this at least 2 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