BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-11-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-08-07
Company: Bridgecrest Acceptance Corporation
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My charged off vehicle was repossessed after making my payment 7days late due to financial hardship. Though I was given a written agreement of a monthly payment of {$400.00} on the 15th with no grace period for late payments I was told by a Bridgecrest rep by phone that I can still redeem my vehicle if I make my monthly payment and pay the repo fee of {$350.00}. 

Bridgecrest accepted my Monthly XXXX payment totaling of {$490.00} on XX/XX/23. 
I called back after borrowing money to pay the repo fee but the company was closed over the weekend so I had to wait til Monday to pay the repo fee. 

When I called to pay the repo fee and redeem my vehicle I was told by a bridgecrest representative that I had to now pay {$560.00} because I now have a bi-weekly payment and it was due on the XXXX of XXXX. I was not informed of these changes made, When I asked was I on bi-weekly now after they took my monthly payment and the written agreement was monthly, I was told because I defaulted by paying late, they changed it back to bi-weekly payments. 

the company has violated the contract agreement and given false information because even on my original contract agreement before charge off the bi-weekly payments dates are not set for the XXXX. The company has made It financially difficult to get my vehicle back by charging twice ( a set monthly payment {$400.00} ) ( and a bi-weekly payment ) both for the month of XXXX in order to get my vehicle back. 

I was not notified of these changes the company has violated XXXX code by giving False, deceptive, or misleading representations or means. 

I was told by another bridgecrest representative that the monthly agreement was of no effect after the fifteen but yet they took my monthly payment for XXXX and charged me bi-weekly payments on top of that for the month of XXXX plus additional fees in just XXXX weeks of repoing my vehicle totaling in the amount of {$1200.00}. 

the company has put my car up for auction without giving me any written notice, I updated my address months ago by phone and even confirmed again my information and the company has not sent me any notices but lied and said they sent out notices on XX/XX/XXXX that the vehicle was sent to auction. 

When I called by phone to make my payment on the XXXX I was told by phone my vehicle was not in auction nor was there a key made and I was given a quote of {$350.00} after paying my monthly cost of {$490.00} to get the vehicle back. 

This company has financially oppressed me and robbed me and auctioning off my vehicle even after receiving my monthly payment for the month of XXXX, I was told I still owe a debt and have to pay regardless or I can't get my vehicle back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-04-25
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
U.S. Bank new account promo code " XXXX '' for {$400.00} bonu $ offer accepted, confirmed, applied upon opening ( eligible status ), now refuses to pay due to some technicality not made known at opening or anytime after, which cost consumer one or more bonu $ offer $ with other financial institutuions!

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 2023-08-17
Company: College Ave Student Loan Servicing, LLC
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied to go to XXXX after transferring home From XXXX XXXX and XXXX XXXX XXXX XXXX after my mother had a XXXX XXXX on XXXX. I was only XX/XX/XXXX years old. 

After getting in, I only got about half of the money due for tuition in financial aid. So I had to go the private sector route. I first got a loan applying with my grandmother ( has since passed away after I graduated from XXXX XXXX ), this was from College Ave services. They gave me, {$31000.00} ( XXXX ID - XXXX ) for XXXX year of tuition. Disbursed on XX/XX/XXXX. After my first year I was taking summer classes. This time again, I would need financial aid. Not getting enough I would turn to the private sector again, But only this time I was denied any further loans from College Ave, even with my Grandmother as a cosigner. So I turned to XXXX XXXX. I was approved with my grandmother again as cosigner, for a loan of {$8800.00} ( Loan ID - # XXXX ) that was disbursed on XX/XX/XXXX. After summer classes, my Junior/Senior year was about to begin, and so I had to find more funding. This time though, nobody would approve me, I tried multiple different websites other than but including, XXXX XXXX and College Ave, I do not fault the others as looking back now as an actual adult how wrong it would be to give a person like me funding of that nature, but so many companies feast on people like me. I also tried multiple different cosigners from my family, but no luck. Therefore, I had spent a just about a year at XXXX, borrowed over {$60000.00} total ( including federal loans, just principal, now it is much higher ), and for nothing. I borrowed all that money to go to a dream school, with an incredible reputation, thinking I was knowing the risk and " knowing '' ( truly hoping ) a degree from there would be worth the money. I truly believe they both XXXX XXXX and College Ave gave me the original loans, more than well knowing that they would not approve me for a second one. How that is not unlawful is beyond me, but now I am stuck, worried sick about how to live, because I have this huge debt on my shoulders. In total with Federal I owe currently about XXXX in loans, and I graduated from a school that would have cost me {$80000.00} had I never tried to achieve a dream degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I.Q. Data International Inc. has repeatedly called and harassed me at ridiculous hours, very late at night and extremely early in the morning. They are violating Fair Debt Collection Practices Act ( FDCPA ). The 'debt ' is fake and I do not owe it. I even offered to settle this fake debt just to end the harassment and get it off of my otherwise excellent credit report. In my repeated attempts to settle and end the harassment, IQ Data 's sleazy reps told me on recorded phone lines that I would have to provide " financial information '' which I started to do but they would not tell me what they needed to know. They force people to answer one question at a time going deeper into personal Information with no end in sight. IQ Data refuses to outline what they need to know or why it matters or what settlement is possible. This company should be fined or shut down as I am sure they are taking advantage of many unsophisticated victims. 

I. Q. DATA I N T E R N AT I O N A L, I N C.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-08-17
Company: National Credit Systems,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: Their investigation did not fix an error on your report

Complaint:
I informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

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 an open end consumer credit plan as late for 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 2023-01-04
Company: Nudge Funding, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Box Home Loans A Division of XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are you having a 5 star experience? Let my manager know : XXXX Applied for mortgage and was not provided a denial letter or any concrete information on my denial. Was not provided any information or how to correct the problem. XXXX XXXX would not return any of my calls. The times we did speak, he spoke in a condescending way such a multiple time referring to the information as mines, instead of discussing the problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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:
Hi I have been at this for several months now going back and fourth with the 3 major creidit reporting companies. For illegally without concent share personal information. Also I have sent numerous letters as u will see in the attached files wanting a legal investigation into the reporting on their end. More than 30 days have passed and no legal investigation was taken place. I want to file complaint and fine the companies for each day this has dragged on without removing from my accounts. They are indirect violations with 15 UFC 1681 { A } # 2 15 USC 1681 { I } # 2 15 USC { S-2 } # 8 15 USC 1681 { B } 15 USC 1681 # 4 15 USC 1681 { I } # 5 ALSO ATTACHED YOU WILL FIND PRROF OF LETTER AND WHEN RECIEVED BY EACH COMPANY. I WOULD LIKE THIS MATTER HANDLED IMMEDIATELY AND REMOVED FROM MY FILES AS SOON AS POSSIBLE BEFORE LEGAL ACTIONS ARE TAKEN. 

TAKEN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Other

Complaint:
I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
This is the first time I've can looking at my account. I have seen unauthorized charged and over charged for the transaction. I would like for the bank to help or worked with me, reimbursed the funds back to my account. I am an identity theft victim. Someone has my information. I have filed Affidavit of Identify Theft Victim.

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 monetary relief
Consumer complaint received 2022-10-29
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice of a civil action lawsuit from our constable today for {$820.00} + fees of XXXX. I wasn't even sure what this was for, apparently it was for target. i didn't even remember this debt. I contacted the company listed, Weltman , Weinberg & Reis Co. , L.P.A . I was told that they sent me 2 letters and 1 call. When I said I didn't get any letter I was told they were sent 1 in XX/XX/2020 and 1 in XX/XX/2020. So 2 letters were sent in 2020 over 13 months ago and the next step is a lawsuit? next step is a lawsuit after shutting down from a pandemic? I dont even remember seeing these. This is a disgusting practice. I spoke with their attorney, XXXX XXXX XXXX ( ( XXXX XXXX XXXX ) ), who very confidently informed me that letters were sent. I am assuming that the company halted civil action lawsuits for a period during the pandemic, but then just file a lawsuit with no new notice??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: NJ
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:
I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief