BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : 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 explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
i have a bankruptcie on my trans union report I have sent dispute letters from the courts, XXXX XXXX an my self show that the information on my report is incorrect i ask for the info to be removed trans keep saying its accurate i have sent the letter over to trans union to show that thr info is wrong they keep reporting this its been 7 months they are not giving me any correct info its hurtin my credit i have put a freezee on my 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 explanation
Consumer complaint received 2023-03-07
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: TN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I JUST DISCOVERED TODAY THAT ITS NOT ONLY UNISON VIOLATING EVERY POSSIBLE CONSUMER PROTECTION LAW, BUT ON THEIR PAYOFF THE INVESTOR XXXX XXXX XXXX I, XXXX AS WELL ( ATTACHED ) This company marketed themselves as a Heloc alternative, they had me complete an application, they pulled my credit, had me provide income documentation and then right before funding the loan that they claim isnt a loan their sales reps told me that I would need to dismiss my XXXX  XXXX bankruptcy that I had been involved in for two years and provide proof that it had been done. ( attached a couple of these emails in a quick search through my email ). A simple XXXX search has shown several pending lawsuits, including TILA lawsuits and their XXXX  site is full of similar complaints. I am sure you will find many more on PACER then my XXXX search below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim to not be a lender in order to avoid adhering to TILA, but take all of the same steps as a lender would. Even the funding of loan and repayment. The reason I am looking to get help is that I closed on this loan 13 months ago for XXXX, I am now over a week past my closing date and they sent me a payoff based off of an appraisal that they never shared with me, instead of the actual purchase price which is XXXX higher then what the actual sales price is. What they are doing is wrong and likely a TILA violation, predatory, and I am sure in my case violates bankruptcy law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 Account # 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 does state a consumer reporting agency can not furnish a account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and 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 explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2021-03-19
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Apple card advertised the promotion below - " Don't miss out. Get {$75.00} with a new Apple Card when you spend $ XXXX with Apple Pay at XXXX for a limited time. '' I applied and was approved for the card and within the 30 days I made a purchase at XXXX for {$96.00} on XX/XX/20. I was not given the {$75.00} as advertised on the sign up bonus. 
I have tried three times with the issuer of credit card - Goldman Sachs. The first two times, my complaint was taken but no confirmation or action was received. They first said the purchase was made after the date or did not acknowledge the promotion. They said I would receive an email confirming the conversation but nothing was received. Then the third time i called, they acknowledged and registered the complaint. I did receive an email saying it was under investigation. On XX/XX/XXXX, they sent a decision saying the dispute was regarding the 'daily cash earned. ' I am not questioning the daily cash earned as explained many times to the representatives at Goldman Sachs. I am disputing the {$75.00} credit which was not received.

I have an email detailing the promotion from Apple and the one interaction with Goldman Sachs. They did acknowledge my other calls and did not know why no email confirmation was provided. 

I am requesting a {$75.00} dollar credit as I met the terms of making a purchase using the card at XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX account is 5 yrs. and 6 mos. old. It was opened XXXX XXXX, 2015. This account has reached the statue of limitation. XXXX XXXX XXXX has ghosted my social security number and it shows on my credit report that I owe them {$67.00}.

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 2021-09-13
Company: Synovus Bank
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, On XX/XX/XXXX, I closed on my refinance with XXXX. My first payment was not due until XX/XX/2021. I, however, made a principal only payment of {$950.00} on XX/XX/XXXX in the XXXX branch located in XXXX, GA. I also made the regular monthly payment plus additional principal ( {$750.00} plus additional principal of {$190.00} totaling {$950.00} ) on XX/XX/XXXX at the XXXX XXXX, AL location. On XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX, however, as of this time, no payments have been made to my mortgage at all including the payment due for XX/XX/XXXX. When I called XXXX to find out what happened, they told me all funds are being held in an " undispersed '' account until the mortgage transfer is finalized. When I asked why my payments were not processed they told me this is " standard process in this type of loan ''. I am accruing interest on the full value of the loan instead of decreasing my mortgage by what I have paid. When I view the escrow file, XXXX has a balance of {$2600.00} while XXXX has an escrow balance of {$2400.00}. When I have asked for a full accounting I am told none exists and that once the final transfer of the account over to XXXX I " should '' be able to get this accounting I am looking for. I have made all payments in good faith, and to deny me access to a full accounting and to not process my payments in a timely manner I am adding compounded interest to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: DISCOVER BANK
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Account is paid in full and I have 8 months of missed payments when I paid bill. Please remove missed payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2017 {$730.00} Portfolio Recovery That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Called capital one to correct the payment history as Ive been marked 90 days past due on my credit report. I asked them for relief due to Corona virus to defer one or more payments or to make a partial payment, they gave me ok for partial payment and then they reported me as delinquent 90 days. I had a severe illness and then XXXX. I was struggling to make the minimum payment. I kept calling them continuously to address the issue. Their answer is making partial payment is not going to affect your credit rating. Then I got hit by 90 days past due. I got promised from Rep. to solve the issue but unfortunately, no improvement.!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
I have a VISA credit card though Truist bank and I noticed XXXX charges against my account for Segment Balance transfer debit. I was charged on XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX ( the phone number on the back of my card ), and they first told me it was fraud. I then started asking more questions, and they informed me it was for a promotional deal and that I owed the money. I explained that I was not aware of any promotional deals, and then told me it was to keep my card active. They applied a credit card for these charges, but my concern is that they couldnt give me a legitimate reason as to why they are charging me. Also, I am unsure if this is legal since they are charging me without my authorization.

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 2021-03-19
Company: MONEY SOURCE, INC., THE
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: Account status incorrect

Complaint:
Since the TMS company transferred the account to XXXX XXXX during the month of XX/XX/2020, I do not know who to ask to correct the misreported error to the credit bureau of a missing payment for XXXX month. I made 2 payments in that calender month, I made a full payment on XXXX, $ XXXX, and another on XXXX, $ XXXX. Yet TMS Inc. Did not report the payment properly to the credit bureau. instead they posted NOT RECEIVED!!! this counts as a missed payment and has hurt my credit history. I contacted TMS inc. they opened a case requesting to correct the misreported information however they have repeatedly closed the case and not fixed the issue with the incorrect report of missed payment to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

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 2023-08-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many inaccurate addresses which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any inaccurate addresses which is found to be opened due to identity theft. The dispute inaccurate addresses do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these inaccurate addresses. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2021-03-19
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
My wife and I both Applied for the Barclays Frontier Airlines Mileage Master card on or about XX/XX/XXXX. On the website and in the terms and conditions it stated we would receive XXXX bonus miles after we spent {$500.00} with in 90 days. I had my card rushed delivered and received it on the XXXX of XXXX. Upon receiving the card the documentation that came with the card stated on XXXX miles upon spending {$500.00}. I immediately called Barclays to address the conflict between what I signed up for and what I received. The agent was very helpful and she and I walked through the web links, which I screen shot for future reference, and she agreed that it did say XXXX miles but she needed to open a case. When my wife received her card it was the same issue. After no response other than a message stating the issue was being looked into we called again on XX/XX/XXXX and again explained the issue with both cards. The agent at that time said the cases will be reviewed and they would get back to us. Each of received a letter on XX/XX/XXXX stating " We're currently unable to assist you with your rewards issue. '' The case # s are as follows XXXX and XXXX. With the case numbers being consecutive it tells me the original agent never opened a case for myself as if was going to fix it self.

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 2023-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and XXXX reports by Toyota Motor Credit XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to Toyota Motor Credit, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by Toyota Motor Credit. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation