BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXX XXXX XXXX # XXXX, Account name : XXXX. DATA XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I got a Costco Credit card from Citibank over 2 months ago. The company failed to send me any bills in the mail and I did NOT authorize e-billing. All of a sudden I started to get collection calls saying my account was overdue. I went to my online bank site to pay Citi ( despite not seeing a bill ) but I have no address to put into the site so I can pay. Logically, I call the phone number on the back of my credit card to try and resolve the problem but, after going through multiple menus, the automated phone service says they will transfer me to an agent but then the line goes silent. I waited in silence for over 20 minutes with no response. So, I'm not getting a bill mailed to me, am getting automated debt collection calls, and am unable to reach anyone in the company to talk to.

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 2017-07-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 XXXX of 2016 I went to XXXX  and purchased 3 cell phones. The person who helped me said that I would pay XXXX for the phones over time and asked if I wanted insurance on the phones? She said it would not cost me anything for the insurance. I accepted and she opened a credit card in my name and put the insurance cost on the card. I am paying XXXX for the phones but I did not know that she would use a credit card to purchase the insurance until I saw a delinquent account on 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 2022-08-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
incorrect accounts showing as delinquent. Disputed debts but account keep reappearing and is impacting my ability to get credit cards and approval for rental homes and cars.

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 2018-02-08
Company: Santander Consumer USA Holdings Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX sent notification that my account was closed XX/XX/ 2018. Since, they have acted fraudulently, lost payments, misapplied payments, and delayed the final payment of a XXXX insurance claim, and charged added interest during the process. The company actually owes me over 600.00 dollars, and continue to stall the process avoiding due payout. I have spoken endlessly with various " managers '', and have had to repeat facts which apparently are not actually responsibly documented. 
XXXX XXXX failed to act ethically, and made no bones about the excessive hours and iterations of the same problems without consideration for the corrupt records, or the future errors and effects that would have on my near perfect credit. I will never deal with this company again, the administration is confused and act irresponsibly with regards to client accounts. They can not be trusted. 
I would attach files, but the record of XXXX is too thick to manage in one PDF

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: United Collection Bureau, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2019 XXXX XXXX called with United Collections Bureau Inc. insisted I call a friend or family member today or she would make sure our credit was permanently affected. Insisted on employer info of my husband and myself, which I refused to give. Told me this debt has gone on long enough and since we paid every month since XX/XX/2019, it was not quick enough or enough money. Insisted I open a credit card so I could pay balance in full right now. I tried to make arrangements to pay before month 's end and was told that was not quick enough or enough money. I asked her specifically to stop bullying and harrassing me and explained I would hang up and call back. When I did she called me repeatedly. I asked to speak to someone else 5 times before she transferred me to her supervisor.

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 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One closed my venture one card without my consent. Due to the size of credit line, having that amount of open credit removed from my account materially reduced my credit score- which is going to materially impact my access to credit moving forward. 

They claim to have sent mail & digital communication- but did not wait for a response from me ( took the action without my opt-in ). This all happened at a time when I was caring for a sick family member ( with XXXX ). 

And when I called - multiple agents refused to reopen the account even though I was underdoing family hardship at the time. I've never missed a payment with them- and they treated me like I've never given them any of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX, XXXX   XXXX XXXX  XXXX, XXXX, PA XXXX and XXXX XXXX XXXX XXXX, XXXX GA XXXX. They received this letter according to certified mail with the UNITED STATES POSTAL SERVICES on XX/XX/XXXX. I sent this letter in Regards to the inaccurate information reporting on my consumer report. Today 's date is XX/XX/XXXX and I have yet to hear back from them regarding the dispute about the collection accounts on y report. According to FCRA, they have only 30 days to respond to my disputes EXPERIAN, XXXX  and XXXX had yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. These account XXXX  XXXX XXXX XXXX in the amount of {$1100.00}, XXXX XXXX in the amount of {$1100.00}, XXXX XXXX XXXX in the amount of {$850.00}, XXXX XXXX XXXX in the amount of {$1300.00} and XXXX XXXX XXXX in the amount of {$360.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. These such debt has never been verified, I have not received anything in the mail and EXPERIAN, XXXX, and XXXX  is not responding to my correspondence.

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 2019-11-13
Company: Bridgecrest Acceptance Corporation
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Attempted to modify an auto pay amount on an auto loan. Was told I had to un-enroll the current plan in order to re-enroll for a new amount. After un-enrolling the previous plan I attempted to re-enroll at a higher amount at which point I was only given the option of starting the auto-payments two years later ( I had already paid ahead at this point. ) If I wasn't careful I could have potentially skipped multiple payments and accrued quite a hefty amount of interest. This is incredibly deceptive practices on the part of Bridgecrest as most borrowers would likely think it's their lucky day and not realize the deception that had occurred since they were not given the option to set their payment schedule up to pay ahead ( and would not have known this before cancelling the current arrangement. )

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my reportXXXX 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 2018-12-20
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
On XX/XX/2018 I began a loan with XXXX  ( XXXX XXXX XXXX ).  I made my first $ XXXX+ payment on XX/XX/2018. The loan was supposed to be a 5-month title car loan. I HAVE MADE FULL PAYMENTS EACH MONTH since XX/XX/XXXX via the company 's mobile app. Occasionally I would receive calls from vendor, but rarely responded to their messages, as I was told at the beginning of loan by XXXX and XXXX that courtesy calls for payment reminders are generally made. On Saturday, XX/XX/2018 I spoke to a XXXX at the store and tried to explain to him I had never missed a payment and would come in and discuss the issue with him. I told him at the time I was ill ( had just been involved in a XXXX  car accident in Washington DC on business ). On Wednesday, XX/XX/2018 at approximately XXXX XXXX, I discovered a tow truck in my garage loading my car up. My husband and I immediately ran out, to no avail, as the guys liading the car were not aware of the payment details. I am so distraught, as I know I am in the right and have made copies of all my bank statements for past few months with all payments indicated, as well as copy of XXXX   's mobile app payment history, noting each of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Un-Authorized Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Sending several times of multiple letters, unverified inquiries, and inaccurate personal information listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries and inaccurate personal information remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries and inaccurate personal information which are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-09-11
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 XXXX XXXX has reported on my credit file a repossession of a vehicle of which I have never financed. 
XXXX XXXX XXXX was incorporated in the state of FL on XX/XX/XXXX, of which the credit reporting states that XXXX XXXX  financed a vehicle under my name on XX/XX/XXXX, and repossessed on XX/XX/XXXX, this clearly represents fraud, how is this possible since the company did not exist according to the crediting reporting stating that I bought a vehicle on XX/XX/XXXX and was repossessed on XX/XX/XXXX. I owned a XXXX XXXX XXXX XXXX which was financed from XXXX XXXX, under my x-wife name and was awarded to me in the divorce settlement, in the state of Florida. 
This company doesn't legally posses a retail installment license, or fiance license in Florida to finance vehicle or make legal loans to consumers who purchase vehicle from other owned entities associated to 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 2021-10-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Amount of {$90.00} for an hour parking at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
It took me over an hour of driving around to find parking throughout this historic neighborhood. I went in and out multiple times of different and the same parking lots since they were all full. I did park and pay at a Parking space and then I also parked at another handicapped parking spot. I also had to input the make and model vs the license plate. There were also people taking cash payments in some of them. It was chaotic. They have provided a pic of a moving car... Yes a car in movement in a parking lot. Not a parked car. This is unacceptable. And as I said, I also paid someone and cash to park. They need to have signs to say how they collect and how if you fail to keep your stub 3 months later as proof, a {$100.00} payment will be requested. I demand for this to be removed. For any parking facility to have ample handicap spaces close to were payment is to be made and a notice to keep your stub for 3 months down the row in order to provide proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive wrote several certified letters to the creditor and credit bureau and told them this was not me. I asked them to provide me a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. Theyve failed to provide me with a copy of any alleged contract bearing my signature. 

The collection is as follows : 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 2023-11-10
Company: Experian Information Solutions Inc.
State: ND
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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2022-10-20
Company: EQUIFAX, INC.
State: NJ
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:
Sending several times of multiple letters, unverified inquiries listed below are still reported on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the inquiries which are still showing on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I realized that my renewable insurance premium was not paid by the Cardinal Financial although I had enough money in escrow. I send an email to cardinal to inquire about the issue. 
On XX/XX/XXXX, I was told by the cardinal phone agent that they have already purchased a forced placed policy on my property and paid the premium of {$2200.00}. Their records shows that there is no insurance on the property. 
On the same date XX/XX/XXXX, I found out that the my insurance agent mistakenly had my uncle as primary insured ( previous owner of the house ) instead of me since the date the home was purchased. 
On XX/XX/XXXX, canceled the other policy and asked the agent to issue a new policy under my own name and faxed a declaration copy to cardinal. 
on XX/XX/XXXX : Cardinal sold the loan or transferred it to XXXX. When I called cardinal, I was told the loan was already sold and XXXX is supposed to service the loan. 
Various date : From XX/XX/XXXX onward, I tried to cancel the forced placed policy because I already have the insurance and get the amount paid back to my escrow account. I get many different answer from cardinal. The answers were : A. Please wait for the refund check to arrive on the mail. 
B. We have requested the policy to be cancelled, the refund will be refunded back to XXXX escrow. 
C. You need to contact XXXX instead. 
D. You need to contact XXXX XXXX XXXX Instead. 
E. Please fax us the copy of your current insurance and we will refund you. 
F. Please fax us the proof that you never had any lapse in coverage and then we will refund you. 
I got # F answer today ( XX/XX/XXXX ), and its the second time I got this answer. I had faxed proof of insurance and continuous coverage in the past on XX/XX/XXXX as well. 

When I contact XXXX, I am told that they do not have any evidence or record of forced placed policy being in my account. 

When I contact XXXX XXXX as them to cancel, they do not recognize the policy number provided to me which is XXXX

Company response to consumer: Closed with explanation