BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-03-05
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.

I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: U.S. BANCORP
State: NJ
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:
In XXXX I complained about a XXXX charge I received from XXXX on my statement. The charge was not recognized. I have dealt with the company in the past but only in prepaid fashion where I charged The Whole amount to the particular credit card a year ago. I never authorized XXXX to charge the amount indicated. Furthermore they used an old credit card number and expiration date since I know I never updated that information with the gym since it was only that one payment I made. I told the person in the gym that I will not be charged and they told me of course not you paid for the year membership in advance and there was nothing to worry about. I told us bank all this information and filed a dispute tellinging them it was unauthorized charge. They did not listen. They gave me a conditional charge but reversed the charge saying it was authorized. After bickering with me back and forth I was forced to file this complaint. 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had reached XXXX bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-07-21
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account Name : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, XXXX, and TransUnion on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-07-21
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2021-03-05
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I had a XXXX done at my doctor 's office. I followed up with my doctor 's office several times regarding the results. On approximately XX/XX/XXXX, my doctor 's office informed me that XXXX XXXX had lost the XXXX sample so they would be unable to provide the results to me. On approximately XX/XX/XXXX, I received a statement from my health insurance company XXXX XXXX XXXX XXXX stating they had denied a claim from XXXX XXXX for {$370.00} for service dated XX/XX/XXXX. I filed a request to XXXX XXXX for investigation of XXXX XXXX submitting a claim for services not performed. In XX/XX/XXXX, I started receiving bills from XXXX XXXX for {$370.00}. I called XXXX XXXX twice, once in XX/XX/XXXX and once in XXXX, contesting the bills and I told them that XXXX XXXX never provided the biopsy results to my doctor. An employee told me that XXXX XXXX sent the results to my doctor on XX/XX/XXXX, but my doctor 's office confirmed they never received the results. I asked the XXXX XXXX employee if they could send the results to me and he said yes. However, they never sent the results to me either. On XX/XX/XXXX I started getting collection notices from XXXXXXXX XXXX for the {$370.00}. I called on XX/XX/XXXX and an employee told me they would look into the matter with XXXX XXXX. There was no further response from them except for additional collection notices. On XX/XX/XXXX I received a notice from a new collection company, Credit Collection Services. I called on XX/XX/XXXX and spoke to an employee, who said they would mark my account as disputed. On XX/XX/XXXX, I received another letter from Credit Collection Services saying that they were going to report the balance on my credit report. On various dates in XX/XX/XXXX, I discovered that they had reported the {$370.00} as a collection item on my credit report. Prior to that, I had perfect credit all my life and my credit score was XXXX. Because of this fraudulent debt, my credit score has decreased to XXXX! I filed disputes with the credit bureaus XXXX, XXXX and XXXX. XXXX did an " investigation '', which consisted of basically asking XXXX XXXX if the balance was owed and they said yes, so XXXX informed me the item would not be removed from my credit report. I haven't received results from the XXXX or XXXX disputes yet, but I expect they will be the same, if all they do is contact XXXX XXXX and ask if the balance is owed. This is very unfair and XXXX XXXX should remove this fraudulent item from my credit. To this date, they have still not provided any results to me or my doctor 's office. It's not that I can't afford to pay {$370.00} ; it's just the principle of it. I refuse to pay {$370.00} for services that were never provided.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, I submitted a complaint about Bank of America ( BOA ) charging a " monthly maintenance fee '' on my savings account of {$12.00} a month without informing me in advance or alerting to coming changes. I submitted this complaint to CFPB ( XXXX ) and I have been trying to get in touch with somebody from BOA. I have contacted them and been told they would get back to me ( they never have ). Now I realized they have also recently started charging a " monthly maintenance fee '' of {$25.00} a month on my BOA checking account as well! Also without any alert or prior notification, in leu of me informing them that I was NOT notified about similar charges on my savings account being made without notification to me. This is not even discussing the legality of the withdrawals, and whether if they are allowed to take any money from my account as they see fit without notice? This is theft plain and simple. 

The fact that they have started doing this recently on my checking account, knowing I objected to them doing this on my savings account without notice ( and charging even more ), after I informed them ( BOA ) about the complaint ( and BOA ignoring my attempts to communicate and not contacting me back as they said they would ) gives the impression that they are not worried or threatened by CFPB and any actions that you might take. I hope I am wrong but I am fast losing my confidence as nothing has been done and I feel I may need to take this up with my political representatives and attempt to shame by social media. I hope it does not come down to this and that the regulatory presence of CFPB is respected. I am an American citizen living abroad, and I still have an banking account in the US, so it is not so easy for me to change banks and I would need to wait until XXXX time, meanwhile BOA is free to charge my account whatever fee they see fit without informing me. 

It is not much money in grand scheme of things ( but it could be for many people ), it is the principal of the theft that is disturbing. What is stopping BOA in the future from taking say 5, 10, 20 % of earnings from any costumers bank account without any notice to the customer? Where does this end?

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
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 my XXXX Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputatyion. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate account that I want them to correct : XXXX XXXX XXXX : {$10000.00}.

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 non-monetary relief
Consumer complaint received 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2019-11-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: General Motors Financial Company, Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call multiple times a day. Harassing me. Leaving voicemails. Only should be allowed to call once. Not 4 times a day!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting Act or FCRA, I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days, as required by law. I have attached supporting documentation, to verify my claims and request a thorough investigation into this matter. Please find these dosuments enclosed with this complaint. These fraudulent items should be disposed or be removed in my credit file : 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 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 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