BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against XXXX XXXX, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of. Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no SIGNED copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against 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 2022-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX. 

It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
A computer glitch that was  Trans Union  's problem not mine caused my inquiries to be deleted from my credit report twice.  Trans Union later added them back on my credit report without giving me the legally required written notice five days  prior to re-adding them. I have contacted  Trans Union  in good faith to remove the inquiries that they had illegally re-added. I have called a total  of three t imes and spoke with different agents who refused to remove the inquiries. I recently spoke with a supervisor name via on  XX/XX/XXXX who stated they will not remove the inquiries. The inquiries have added a hardship and my rights were violated by  Trans Union .

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 2017-07-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IQ Data International Violation of FDCPA 807 ( 8 ) ; FDCPA 809 ( b ) ; FDCPA 811 ( a ) ( 2 ) ; damage to credit report. Several CMMR letters to remove and validate. Last CMRR demand to remove was received by IQ Data on X/X/17. IQ Data refuses to respond. I gave them until X/X/17 to remove content from credit bureaus and notify me, and failed to do so. I am in the process of filing a Small Claims Complaint. <P/>I have filed a complaint against the original owner of the alleged debt - XXXX XXXX XXXX in XXXX XXXX. We are still in litigation and no judgments or awards have been ordered.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Notice Of Cease & Desist Title 15 U.S. Code 1692c To whom it may concern, this is also a notice to cease & desist. Violating this code is a Violation of the FDCPA. FOX COLLECTION CENTER will be civilly liable under Title 15 U.S. Code 1692k if FOX COLLECTION CENTER failed to abide by my cease & desist order. Me XXXX XXXX. 

My Demands : Entire file on me XXXX XXXX All Documentary Evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records. ) Cease & Remove alleged account from all credit reporting agencies Cease & Remove All negative information from ALL CREDIT REPORT AGENCIES Pay me The Consumer {$1000.00} for the damages against me XXXX XXXX 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

15 U.S. Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Respectfully XXXX XXXX, Consumer/ Natural Person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
Ally Finacial is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

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 2020-04-28
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is something on my credit for Amica. I dont know who that is. I didnt authorize them to put anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Diversified Consultants  is reporting a collection account on my credit report ( for all   XXXX   credit bureaus ). I have never received any correspondence ( mail, phone or otherwise ) regarding this debt. The collection account reported is showing paid, but I have also never paid any money to this company for a collection account or any other type of payment. I have attempted to contact this company twice via certified mail have not received any response from them VALIDATING this debt.  <P/> The first communication was sent on   XX/XX/XXXX   and was signed for on   XX/XX/XXXX     as proven with  USPS  tracking # :  XXXX . In the letter I kindly requested they send me the documents proving the account they are reporting is mine.   I waited the appropriate 30 days and received no correspondence from  Diversified Consultants.  On day 31 (  XX/XX/XXXX   ) I pulled my credit reports and they had not marked the account disputed per FCRA requirements.   On   XX/XX/XXXX    , I mailed the yet another certified letter which they signed for on   XX/XX/XXXX     as proven with USPS # :  XXXX . In this letter I informed them of their violation of FCRA law and requested again that the debt be validated, sending me copies of documents proving this is in fact, my account.   As of today, there has been no communication from this company regarding the VALIDATION of this debt and why they are reporting it on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: MUFG AMERICAS HOLDINGS CORPORATION
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: Confusing or misleading advertising about the credit card

Complaint:
Sometimes late XX/XX/2021 or early XX/XX/2021, XXXX XXXX from Union Bank XXXX XXXX, CA XXXX told me specifically, that if I were to open a Union Bank Freely Rewards Visa credit card AND have a balance transfer of at least {$1000.00}, I would receive a bonus of {$100.00} plus additional XXXX XXXX  if I put the reward bonus back into my checking account. 

I kept waiting for the reward points to show up in my account for XXXX months, only to find out that I have been LIED TO by this person or institution. When I called today to both the branch office and the XXXX number in the back of the credit card, they told me that the promotion was only for customers that spend at least {$1000.00}, instead of doing a balance transfer of at least {$1000.00}. 

In fact, they blamed me for not reading those many pages of the disclosure provided, when I opened the account, instead of relying on the word of their associate. 

Yes, I could have read all those pages in detail, but in my past experience dealing with other financial institutions, words from the associates are always aligned with the promo. 

Apparently, that does not apply with Union Bank, where you can not trust the associates, and when you as customers become a victim, they will not right the issue and instead just to blame you for trusting bank 's associates.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-01-02
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Got an email from XXXX XXXX with XXXX rewards, saying " my application has been received ''. The inquiry showed up on my XXXX XXXX as a hard inquiry from XX/XX/XXXX.I did not apply for this credit card. I contacted Barclays bank today XX/XX/XXXX spoke to XXXX. she check their database with my social and name, said it was the only way to check. said there was no application. Told me to contact the credit bureau that it was the only way to resolve the issue. XXXX XXXX says I can use you to try to resolve. I have worked very hard on my credit, and I am concerned that my personal information is out there somewhere. Please help me clear this up.

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 2017-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 filed a dispute with Capital one card about a late payment back in  XXXX  and  XXXX  of  XXXX . I called in  XXXX   XXXX  and wrote a letter in  XXXX   XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: AES/PHEAA
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:
Dear CFPB My name is XXXX XXXX and I am a federal student loan borrower with Fedloan servicing. I have contacted FEDLOAN and disputed specific ineligible payments and Fedloan never responded. I am asking CFPB to contact Fedloan to fix the payments that inaccurately reflect ineligible. There are several payments made between XXXX to through XXXX that are not reflecting accurately. While those months report ineligible payments were accepted. 

Thank you for your guidance and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Transunion from my previous complaints filed here and sent through certified mail.

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 2021-03-10
Company: SYNCHRONY FINANCIAL
State: MO
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:
On XXXX XXXX the store did preauthorization my purchase. The preauthorized purchased was then applied to the account on XXXX but instead of changing it from a preauthorization to a purchase, the same amount was subtracted from my credit limit ( XXXX as a purchase and XXXX as a preauthorization ) from my credit limit causing it to be negative amount. I only made one purchase for XXXX, not two which is what was deducted from my credit limit causing me to look like I'm over my limit. This error is effecting my credit score. I have asked them to fix the amount, but I get an automated response saying if you canceled the order please wait 7-10 days to correct.

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