BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2021-11-30
Company: Amsher Collection Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. On XXXXXXXX XXXX XXXX, I opened up a XXXX account with three lines for my immediate family ( my mother, myself, and my sister ). We were considering switching providers from XXXX XXXX. I was in XXXX, XXXX at the time. 

2. Within two weeks, we realized that XXXX service wasn't going to be a great fit. I contacted XXXX to cancel the line on XX/XX/XXXX There was minimal data usage ( < 5MB of data per line ) and no voice usage. The representative assured me there would be no charges. 

3. On XX/XX/XXXX XXXX, my XXXX XXXX credit card was charged {$100.00}. 

4. On XXXXXXXX XXXX XXXX, I contacted XXXX. The XXXX representative refunded the {$100.00} given that the line was not used and assured me that the account was closed. I've attached the audio for this call ( XXXX XXXX cancellation.mp4 ), with the representative assuring me of the refund and account closure starting at XXXX. 

5. Late XXXX, I move to XXXXXXXX XXXX  to start graduate school at XXXX. I am no longer receiving any correspondence at my XXXX XXXX address. 

6. On XX/XX/XXXX XXXX, I am charged {$100.00} for a line that had been closed for over a month. I submit a dispute with XXXX XXXX and am credited the full amount. 

7. On XX/XX/XXXX XXXX, I receive notice from Amsher ( debt collections agency hired by XXXX  ) that my XXXX account has been sent to collections. I never used XXXX  service, and provide documentation of the phone call and credit card statements. 

8. On XX/XX/XXXX XXXX I  receive another call from Amsher and am now filing the complaint directly with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: GA
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:
This is my complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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:
I sent two rounds of dispute letters in thirty day increments to the bureau with the first round being the initial letter that included the dispute of XXXX alleged collections/charge-offs accounts which was signed for on XX/XX/2022. I did receive a response of a generalized validation of those alleged accounts within the proper thirty days requirement. However, a second round dispute letter was sent and signed for on XX/XX/2022 which requested a more in-depth validation such as original contract, wet signature, and itemized debt. Unfortunately, more than thirty days has past without a response, thus per both letters the credit bureau has a legal obligation to delete any and all alleged debts that are not validated within thirty days under the FCRA XXXX provisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I contacted the local branch of XXXX XXXX to obtain the XXXX  day payoff about. On XX/XX/XXXX the branch received a check for the total of the XXXX  day payoff and applied it to my account. When I checked my online account it still showed a balance of {$800.00}. I have contacted the local branch XXXX  times and left a message for the branch manager to contacted me about this balance. I am unable to get a call back or to speak with anyone directly when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TD BANK US HOLDING COMPANY
State: NY
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:
To whom this may concern, I would like to address my concern also my concern also addressed to the CEO XXXX XXXX. Over 1 month ago Target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering I did nothing wrong I submitted my payment now they closed my account and this going to affect my credit score and become a very badly. I even made means right, I returned the items I bought to get back to my balance even made a payment at the store the other day please open my account back OR Make means right either offer an arrangement or settlement. Target red card has truly impacted credit and lied serval times they so call state As a result, your account was closed per the terms of your credit card agreement due to multiple returned payments. When I only authorized one payment why would I make 2 payments in a month .... please help me to understand how fraudulent your system works and send out a arrangement saying multiple payments returned accounts can be closed.I requested this over 1 month ago and still nothing received expected for being lied too your Reps are not trained and they are no help they told me to upload my bank letter which I did and still never heard anything back its kind of sad this is the way a credit company treats their customers. I heard nothing but from them back on.. I SPOKE TO XXXX  AND STILL NOTHING RETURNED. TARGET HAS ALOT OF EXPLAINING AND I WANT THE CEO TO CONTACT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
At the end of XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX concerning a security breach, with the letter suggesting I take advantage of a FREE XXXX service from Equifax. The letter provided a XXXX activation code to provide to get the free service. 
On XX/XX/XXXX, approx XXXX, I followed the instructions for the free service by going to : www.equifax.com/activate, and followed the steps under " Enrollment Instructions ''. Throughout the process I never saw an area for inputting the XXXXdigit activation code. I thought it may come up at the end before OK'ing the purchase but it did not. At that point it verified a purchase so I immediately figured I'd better call customer service to correct things. I received a recording stating " Our system is down, call back ''. I then went back to the Equifax website and immediately cancelled the service and received a confirmation that the service was successfully cancelled ; of which I took a screenshot ( attached ). 
On XX/XX/XXXX at XXXXXXXX XXXX, after noticing on my bank statement that I was charged {$19.00}, I called Equifax XXXX explain the problem and that I needed to receive a credit. The rep said she could activate the FREE membership and took down the XXXX number to do so. But she said the XXXX XXXX. would need to process the credit and that I would receive an email from them in XXXX days. I received no email. 
Today, XX/XX/XXXX, after receiving my bank statement, I noticed the charge, but no credit. 
I again called Equifax and explained the whole situation to the customer service rep. He put me on hold, again, and came back to say that Billing would not refund me as I didn't cancel in time. I explained, AGAIN, that I immediately called to cancel by phone ( their " system was down '' ) then went onto the website and cancelled. He said they had no record of that at which I told him I had a screenshot of the confirmation that I had indeed cancelled it. He said he could not authorize a refund and I asked to speak to a manager or put me in charge of Billing. He said he could not do that either. 
This is totally unacceptable! This FREE service just cost me {$19.00}. Please do what you can to help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.

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 2022-06-15
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX have restricted my Apple Card since XX/XX/22 and have refused to let me know why or rectify the situation after multiple calls. I'm unable to use my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: WELLS FARGO & COMPANY
State: DC
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 have had a wells Fargo secured credit card for over 2 years. Paid my Bill 's over the amount requested and never received an upgrade. Their excuse is I haven't updated my salary and I paid 2 days later than the time once. Everytime I call I update my salary. The manager I've spoken to is a completely rude and doesnt care about upgrading anything. I asked several times when the upgrade would happen and for 2 almost 3 years inXX/XX/2019will be 3 years. I have 2 cards that's been upgraded to unsecured and close to $ 15k and I still have this measly little {$400.00} card. They lie about the entire upgrade process.

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 2016-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have evidence that an imposter stole my social security number. They have made several attempts to have duplicate credit cards belonging to myself sent to a fraudulent address. Therefore stealing my identity. I have reason to believe they may have obtained a copy of my credit report. The fraudulent address appearing on my TransUnion credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please respond.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
I submitted a letter to Experian XX/XX/XXXX, 2022to update this suspicious information. I think you have not validated these accounts 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, and I'm including it again. 

XXXX XXXXXXXX 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 2019-07-06
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Weve been swindled by builders and lenders before, basically lying to get our personal information. XXXX   XXXX took our deposit in 2007 and sold the house to another buyer, no explanation. I had to demand my money back. Now we are trying to just buy a small condo in Florida. My husband is a XXXX contractor making $ XXXX a year. Quicken loans gave us a bad time, and asked for the password to our bank account, then accessed the camera on our XXXX, and was secretly video recording us without our knowledge. We caught them red handed when the agent asked who he was speaking to. I told him he was speaking to my husband, and he said no Im speaking to you. He was watching me. Im sick of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US AUTO SALES FILED BANKRUPTCY AND CLOSED DOWN. My contract has been breached by US AUTO SALES. I recently in enrolled in the XXXX and was recently paying on the XXXX which US Auto sales was doubling billing consumers. 

FTC XXXX XXXX XXXX XXXX and XXXX In the contract. The seller fail to live up to the contract ( breached the contract ) I value my credit and believes it would be unfair business practice for XXXX XXXX to harm my credit. 

XXXX XXXX has harm my credit in every way, inaccurate information has been put on my credit as well. 

16 C.F.R 433 Ga.Ad.Code 122-5.01.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MI
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:
THIS IS NOT MY ADDRESS THIS ADDRESS IS INCORRECT AND FRAUD XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Cascade CISS Holdings, LLC
State: IL
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:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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:
In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2019-07-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing to dispute a report made by TD Auto Finance to the creditors regarding a late payment on my account made on XX/XX/19. This was a result of a technical issue on their website with the setup of autopay which Im still attempting to get resolved with TD Auto Finance customer service. 

I've encountered what appears to be a technical issue on their website while when applying a payment, the payment is applied to the Principle only and not my monthly payments. This resulted in a late payment being applied to my account for {$5.00} on XX/XX/19 which was reported to all credit agencies essentially lowering my score some XXXX points. 
From XXXX -> XXXX ( XXXX/XXXX  ). 

I've tried several times to resolve with TD Auto Finance yet they still only apply my payment to the principle and not my monthly payment. I'm then forced to call customer service and then have then manually reverse and reapply to my monthly. 

At the time of the reported late incident I had both the funds in my account and every intention to pay to avoid incidents such as this. As this was the results of some technical issue with the site, I'd like to submit this complaint. 

Thank you for reading. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I attended XXXX XXXX XXXX in XXXX on the XXXX XX/XX/XXXX XXXX. The University claims that I owed them {$2700.00} for amounts not paid. According to records obtained from the Department of Veterans Affairs, the amounts owed were paid in full at the time of attendance. I have screenshots of the amounts paid by the XXXX. and the amounts that the University claims were paid. The amounts do not match. It seems that the University 's records are missing payments. I received a letter from Reliant Capital Solutions , LLC. on XX/XX/XXXX, claiming I owed them the amount referenced. I sent an email stating that I was disputing the claim and that they were not allowed to contact me, by law, until the debt had been validated. I received a follow up email from them on XX/XX/XXXX, at XXXX, stating they had received my request and they were suspending any collection until validated by the University XXXX On XX/XX/XXXX, at XXXX, I received a phone call from the collector. I let it go to voicemail, but they did not leave a message.

Company response to consumer: Closed with non-monetary relief