BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Dear Sirs, I signed up with TransUnion Plus yesterday, XXXX XXXX, XXXX Order number : XXXX I wanted to try the credit service and wanted the TRIAL version service but due to the fact the information is so unclear on the web site I may have signed up for the only service that I saw which was for the TransUnion Plus Service.

I have tried at least five times to contact Trans Union and each time they instruct me to call back in ONE Hour. They say that their system is currently down and they are unable to access my account to cancel the service. 
In addition to wanting to cancel the service I wanted to request that they " reverse '' the credit card since their web site is so unclear as to how to sign up for the TRIAL Membership Service. 

I appreciate your attention in getting Trans Union to be responsive with my request for cancellation and possible refund of their service. 

Sincerely, XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
TOYOTA MOTOR CREDIT Account number XXXX .... is reporting this account on my credit report wrongfully as charged off and with the balance. This vehicle was totaled due to accident, Toyota received full payment from my insurance company, they never called me or sent me a bill now I just noticed that on my credit report they are reporting this as a CHARGE OFF AND WITH OUTSTANDING BALANCE OF {$1700.00} as of XX/XX/2019 WHY ... I called TOyota several times only to be transferred all over the place telling me they could not find my account but if I see a balance that I should pay them. THey keep telling me they are ready to take my payment but won't tell me why or to which account they would apply this to. I was even told to send in a check and they will figure it out .... this is ridiculous. In a meanwhile my credit is suffering I have no other negative account except this one. WHy I can't get justice for this ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSWORLD SYSTEMS INC
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: Information belongs to someone else

Complaint:
A recent global cybersecurity incident involving XXXX, a file transfer tool owned by XXXX XXXX. The software is used by government agencies, major financial firms, and thousands of other companies around the world. This incident resulted in exposure of my personal information.The information includes my name, address, date of birth, and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX 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 XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX 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 reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Americollect Inc reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Americollect Inc received my personal medical information. I have not agreed to do any business with Americollect Inc, I have not received any goods or services from Americollect Inc, nor am I responsible for their debt collection purchase from their alleged client. Americollect Inc, has flagged my credit before without first proving their account ( s ) belong to me. Each time Americollect Inc failed to validate their debt. Americollect Inc have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. Americollect Inc continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the reason for my complaint with Capital one. 

So Capital One sent me a letter regarding why they denied me the reason of stating that one of my accounts was recently XXXX or more days past due, which is false I have never been late with Capital one. all of my payments have been prior to the due date and auto sign up on the accounts, when confronting Capital one they have stated that is true, which is not true and completely false as if I am being discriminated against by Capital One by having a credit card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Affirm Holdings, Inc
State: CO
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 currently have an open a Affirm account on my credit report Ive contacted affirm several times theyve confirmed the account is closed sent me documentation to submit to XXXX which I have done. I have filed a few dispute accounts with XXXX and provided that documentation and I still getting notified that they worked with the lender and all the information is correct. Its currently showing open with the remaining balance with over a year that the last time the account was updated and I still can not get it to close out and all my documentation shows that has been paid in full and even a firm has confirm that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: BB&T CORPORATION
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:
This is my 2nd complaint to Regional Acceptance. XX/XX/2018 I received debt validation information I had requested through the collection agency that was taking over the charged off account. I then made a report on XXXX towards Regional Acceptance stating they violated my rights. In the state of Georgia " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' By not providing me with a deficiency letter or a notice of plan to sell they violated this right. They sent me the same information they said they sent via certified mail. When I looked at the documents the address they sent it to was/is not my place of residency. On the retail installment sale contract, my address is inaccurate. The address listed for me is the primary applicants address. A relative who carry 's the same name as I do. When I looked on their XXXX portal under contact information, it has the same copied address and phone contact is replaced with a series of various numbers. When I called their charge-off department and asked what address read on the copy of the ID they had for the original application, it was not that of the one being reported by Regional Acceptance. I have a rental lease agreement with the same date/time frame of that when the letters were sent out from Regional Acceptance proving my residence was not at the address they have listed. A notice of deficiency and information regarding the vehicle sale was mailed only to the primary applicant and not me, the co applicant. Regardless of the status of the vehicle, they did not provide me with all the documents I have the right to. This has caused my credit score to take a hit for years now because a charge off is being reported to my account for an error on either the dealership or XXXX end, I didn't get the right to amend.

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 2022-10-06
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$760.00} ), XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX {$470.00} ), XXXXXXXX XXXX ( XXXX XXXX. XXXX, XXXX, Credit limit {$500.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2019-06-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my Home Depot credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

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 2020-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
I have contacted both USAA and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by USAA that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: VA
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-07-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX had put us on a COVID forbearance. Shortly after they sold our mortgage to Select Portfolio Services. They claimed that they sent paperwork to a wrong address and by the time they called us, they said we were being foreclosed on. They claimed that they didnt have to honor XXXX XXXX forbearance and if we would like a loan modification the payments would be {$2000.00} a month and needed a response by the XXXX of XXXX. We sent an appeal about the payment and was told we would be notified within a week. We were not. Upon calling they still hadnt reviewed our appeal and said that they didnt want to resubmit it because it would just prolong it longer. Please let us know if we have any hope of keeping our home and thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A 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 explanation
Consumer complaint received 2021-07-16
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: Reporting company used your report improperly

Complaint:
I recently received a copy of my consumer credit report that Transunion provided and I found a number of items on my report that I do not recognized nor did I authorize. Transunion showed blatant disregard for the FCRA laws.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My student loans from the servicer XXXX XXXX was transferred to XXXX as the new servicer, and instead of this showing as an existing ( 10 year old ) account it is showing as a new account which severely imparted my credit score.

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 2021-07-01
Company: Experian Information Solutions Inc.
State: MS
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 an old charged-off account on my Experian and XXXX credit reports from XXXX that was reported in XXXX. In XX/XX/XXXX I decided to pay the balance of {$170.00} in full, which at the time seemed like the right thing to do. After over a month went by without the account having been updated on my Experian and XXXX  reports to reflect my payment, I filed a dispute with each agency. 

On the 29th day after I submitted the disputes I received notifications from each agency that they were completed. I reviewed the information on my XXXX report and it was inline with what I expected : the account showed that it was paid and there was no substantial change to my credit score. I then reviewed the information on my Experian report and couldn't believe what I was seeing. My score dropped XXXX points from XXXX to XXXX. The only thing that had changed on my report was the old charged-off account I disputed had been updated to show that I paid it. 

I do not think its right for your credit score to drop just because you did the right thing and paid off an old charged off account. I'm pretty sure most people would agree. After speaking with folks at Experian, it appears that XXXX updated my Experian report differently than what they updated on XXXX That difference cost me XXXX points on my score. I submitted another dispute but that one came back today without fixing the problem. Now, Experian 's website won't even allow me to submit another dispute to provide them with more information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: SYNCHRONY FINANCIAL
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated calls from Portfolio Recovery Services. I have reviewed my credit report and all of my accounts are current. I do not answer the calls as they are tagged as spam or fraudulent by my cellphone. These calls spoof different numbers. I block the calls and after a few months they start again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: NY
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:
Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported

Company response to consumer: Closed with explanation