BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
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:
Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.

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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items 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 2019-05-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2019, my wife, daughter, and I each received letters via U.S. mail from USAA Federal Savings Bank in XXXX XXXX, Texas, that the bank had chosen to " exercise its right to no longer do banking business with '' us. The letter further stated that " certain obligations were not met '' without elaborating on the nature of the supposedly unmet obligations. 

Within the following month, the bank did indeed close all of our checking, savings, and credit card accounts. According to FCRA, ECOA, and similar regulations, financial institutions must provide rationale for adverse actions taken against customers. Our numerous phone calls to the bank, and even a letter we penned to the president of USAA, went unheeded with responses of " There's nothing we can tell you. '' To make matters worse, we are still insurance customers of USAA " in good standing '' ; however, when the bank terminated our banking relationships, the bank also disabled our access to the USAA.com website -- including online access to our insurance documentation. Our requests for the bank to reinstate our access to the website ( so we can print automobile insurance ID cards, make insurance payments, and the like ) have been ignored. 

Other USAA insurance customers in good standing have access to the USAA.com website. The fact that USAA refuses to reinstate our website access is unfair and unequal treatment, based solely on their unrelated refusal to continue a banking relationship with us. 

To summarize, USAA must provide specific reasons for their adverse actions against our checking, savings, and credit card accounts, and must reinstate our access to their website for our continuing insurance relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
For the last few months I have used money gram to send money to my fianc who is attending school in a small town that does not have our credit union. However today when I sent him {$1200.00} for a deposit on a house moneygram classified our transaction as a scam. Even though I answered all of the questions and even told them they could call the real estate agent to verify. They said my partner of 11 years was potentially scamming me therefore they could not reslease the funds to him. Then for the icing on the cake they informed me that they would not refund my money for 3-10 days. Holding my money and no doubt gaining interest for 3-10 days. Not sure about the rest of you but {$1200.00} is a big deal in our family of 5. Needless to say no amount of logical explanation was taken into account. So advice to anyone thinking about using this system dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
Transunion has openly and continuously discriminated against me as a consumer which is causing extreme harm to me. 

Pursuant to 15 U.S Code 1681 ( B ) ( 2 ) Permissible Purpose. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. - which is me as its my report- I have not granted nor given written consent for Transunion to furnish my Consumer report.

Neither did I grant permissible consent for them to disclose my personal information.

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

Transunion has a grave responsibility with fairness impartially and respect for the consumers right to privacy. My right to privacy was violated without my knowledge and consent

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 2019-05-02
Company: Global Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 at XXXX we received an automated call from XXXX XXXX XXXX ( XXXX ) asking for XXXX XXXX and to have her call XXXX and reference case # XXXX. After pressing XXXX we were connected with an operator who refused to remove our number and threatened to " call our corporate number ''. After numerous requests to remove our number he decided to hang up

Company response to consumer: Untimely response
Consumer complaint received 2021-09-15
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XXXX of XXXX I purchased a XXXX  Platinum Extended warranty with my used car. My car was a XXXX XXXX XXXX XXXX with XXXX miles on it. The warranty was purchase at XXXX XXXX in XXXX, Maryland with a XXXX XXXX who advised me it would cover most everything. However the vehicle was repeatedly denied warranty work by XXXX when I tried to use it. I complained to oversite agencies and to the phone team. The phone team became incredibly hostile and tribal during the process. The XXXX ladies screamed at me when I asked for a supervisor and put me on endless holds. Many cases with XXXX and the dealer shops were opened. They sabotaged the billing and cancelled the plan after yelling XXXX  XXXX  type stuff at me. They even asked if I voted for XXXX. This is retaliatory and illegal. Please provide me the reason it was cancelled. Please provide me an entire billing history. Please refund all amounts paid into this account. This level of XXXX tribalism and financial scheming has no place in america. I saved the recorded calls for court. Please provide the amounts I paid in and the address to subpoena stuff. If the warranty isnt immediately refunded or retroactivated with no lapse I will sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MA
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: Received unwanted marketing or advertising

Complaint:
I received a text message claiming to be from Equifax. The message came from XXXX. The body of the message read : FINAL FEMINDER : EQUIFAX Has Flagged Your Account For Unusual Activity. Last Day To Resolve, XX/XX/27 XXXX XXXX XXXX I didn't click the link. I never received any type of communication from Equifax for this to be a final reminder of anything. By conducting a search on Equifax I was able to find the phone number the text was from doesn't match their exchange. Some people may click the link in a message like this. Please stop whomever is behind this from pretending to be Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Ditech Financial LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have setup payments wit this company for the last 2 years. They will only setup 6 months at a time. The day that the last payment is taken out they start calling me every hour on the hour. Its ridiculous to be harassed this much. I've been paying them {$300.00} a month for the past 2 years without fail. When I call to set up the next 6 months payments they give me grief and tell me that I need to take out a loan to pay this in full and that at the rate i'm going its going to take 12 years to pay it off. I mean if I could I would but I'm paying them monthly so what the XXXX does it matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I closed the credit card on XXXX 2013, but still display it on the credit report. 

1. bank of america A # XXXX open date XX/2013 closed date XX/2013 ( chapter XXXX ) {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had multiple issues with this car loan. They have taken extra money, said fees would be taken away due to bank error then kept the fees on the account, said they called me many times but I had no voicemail. My car was repoed due to all the issues, I had to pay money to get it out and then the fees that were waived are still on my account. Auto pay is set up and the first month it didnt get set up correctly, so my account went past due again. A supervisor fixed everything and then for XXXX the auto pay took out {$580.00} instead of the {$210.00} payment. Then someone else instead of reversing the charges, said a cashiers check for the {$580.00} mistake would be sent to me, and now my account is still past due and theyre asking for a {$210.00} payment. XXXX the supervisor told me that XXXX and XXXX payments and fees were taken out. This is not what I authorized to be removed. XXXX stated there are so many errors on this account I dont even know where to begin. I have a lawyer looking at this now. This has impacted my credit, which I disputed and it wasnt fixed, it is impacting my finances over and over and money is being illegally taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: TX
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:
on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Lincoln Educational Services Corporation
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim because XXXX XXXX XXXX neither the department of Education have produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to the three credit bureaus. XXXX, XXXX and Equifax because I saw some address that is on my Personal information I am not familiar with or have no knowledge of. This is frighten to me because I I think I may be victim of Identity theft additionally. I do no want anyone else information posting my account or I don't know if the Credit Bureaus are just reporting whatever they will like.. ALSO I SENT EACH WITH DELIVERY CONFIRMATION TO EACH BREAUS IN WHICH THEY RESONDED 40 DAYS LATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.

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 2020-02-04
Company: Diversified Consultants, Inc.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I applied for a Loan in late XXXX and was informed by my lenders that my XXXX  and XXXX  scores were 100 points lower than XXXX  ( XXXX vs. XXXX ). I have never been delinquent on a debt in my life. I am an XXXX XXXX military member ( since XXXX and still XXXX  ) now XXXX  XXXX. I have disputed the claim with the credit bureaus they simply updated dates and reflected the balance {$0.00}. XXXX originated from XXXX XXXX and was listed as {$130.00} charge, this was quickly updated to $ XXXXThe information remains on my credit report. Reported date was XX/XX/XXXX. I have lived in XXXX since XX/XX/XXXX when I XXXX  'd XXXX  so the dates are impossible to justify. Diversified Consultants ( XXXX XXXX XXXX XXXX, FL XXXX ) is listed as collection agency and has also been contacted and notified this is a faulty collections claim. Reporting agencies continue to show a XXXX  balance but neither Diversified, XXXX  or reporting agencies will delete this faulty collection that is adversely impacting my score and making it so I can not purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have received numerous phone calls from XXXX from National Credit Adjusters. I received the phone call on XXXX at XXXX and XXXX. I also received calls from them on XXXX at XXXX and XXXX. Debt collectors are allowed 1 phone call a day and then are not suppose to further call you if you tell them to quite calling they are not suppose to call you. All four times they were told to quite calling. They say its a personal business matter and that's all they will say until they confirm they have the right person. Come on why would they call if they didn't have the right person. Please see the attached files.

Company response to consumer: Closed with explanation