BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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 XXXX 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 explanation
Consumer complaint received 2020-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is showing collection for over 10,000 and I was in a car accident and my full coverage insurance paid the car off in full

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 2019-10-22
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:
Accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-18
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice from these crooks at XXXX XXXX XXXX. They said they "bought" a debt from Citibank {South Dakota} N A for $XXXX, Account number XXXX> First, I don't know what the XXXX they are talking about, Second, if this was a very old debt ,it was discharged many years ago in chapter XXXX  br. In any case, this is a group of crooks is working together to try to steal from a senior citizen. To Contact Citibank, call . XXXX XXXX XXXX. fot the XXXX folks, call XXXX XXXX XXXX XXXX.Looking for some 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 explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this 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 non-monetary relief
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I been a customer for decades and now they tell me my social security number is wrong and I have to correct by down loading forms and printing them I have no way to print I can't change a ss # that I've a! ways had.

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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 student loans showing late payments ; they have been refinanced and consolidated. However, they continue to negatively impact my credit and score since it shows 25 late payments. These loans are also from XXXX, in which most of these late payments should have already come off my report. They continue to report every year, which keeps making them current although the first reported date was in XX/XX/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 2018-12-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have three credit cards with Citibank. They are the Thank You Preferred, Simplicity, and Diamond. Both the Diamond and Simplicity are tied to the same bank account ( e.g., Bank A ) for payment. Note : The Simplicity card is set up for automatic monthly withdrawal, the Diamond is not. The third card which is the Thank You Preferred payments are used from another bank account ( e.g., Bank B ) and is not tied with either the Simplicity or Diamond. Bank B is my mother 's bank account and I did not have access to her routing nor checking account number that would be required for new payment setup. Note : The Thanks You Preferred is also set up for automatic monthly withdrawal using Bank A to pay it off faster. 

On or around XXXX XXXX, I was informed that Citibank withdrew funds from Bank B not Bank A for payment on the Diamond card. This was an unauthorized withdrawal. Back in late XXXX, when I spoke to the customer service representative to make a payment on the Diamond card for a XX/XX/XXXX payment, I only authorized it for Bank A, not Bank B, because I did not have my mother 's routing nor  account number, which is required by Citibank to set up a new payment account. I called Citibank the same day to make a complaint and they informed me that they would investigate the matter, however I have not heard back from them. 

On XX/XX/2018 I was once again informed that Citibank withdrew funds from Bank B for the automatic payment of the Simplicity Card. Again this was an authorized withdrawal, I only authorize automatic payments for Bank A. Once again I reached out to Citibank to inform them of a breach and they said they would investigate the matter. 

I want CFPB assistance with this complaint because my mother 's account has had over {$600.00} of authorized funds withdrawn. In addition her bank ( Bank B ) has said that Citibank has set up automatic payments from her account ( Bank B ) which is not true. I believe this is a data breach or system error that has had dire consequences. My parent is elderly and this is unacceptable. 

Enclosed in my compliant are the following : -Screenshots of online account for Simplicity and Diamond displaying that only Bank A is tied to them.

-Proof that Citibank has withdrawn funds from Bank B

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 2023-03-10
Company: Revco Management, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please, send more detail information about this debt. This is the first time I have knowledge of this debt from XXXX XXXX ( {$990.00}, date XX/XX/, no action was done because no knowledge about this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: NCC Business Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: RGS Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report is showing I owe a collection agency ( COMMONWEALTH FINANCIAL SYSTEMS, INC ) for 2 medical services I NEVER received, let alone step into a hospital! I am in NO WAY ASSOCIATED with this claim and ask that this is removed from my report. I have done research on this company and see that it is a FRAUDULENT COMPANY that has done this to many people! 

{$1100.00} Opened XX/XX/2018 ( 1 mo ) Account status Open {$780.00} Opened XX/XX/2018 ( 1 mo ) Account status Open Type

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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 fraud alerts or security freezes

Complaint:
After countless errors for several months blocking me from getting access to " identity works '' with Experian, I was finally able to get into the app. When I try to freeze my credit, it says that it's " unable to retrieve credit lock status ''. So I went directly to experian.com/freeze/center.html and requested to add a security freeze. After providing all of my information, I was informed that they were unable to freeze my credit at this time. They then provided me ads to pay them {$4.00} a month to lock my credit. 

Experian is refusing to comply with allowing me to freeze, and unfreeze, my credit. They are continuing to try and market their " credit lock '' services to solve my problem.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Sent letter in to TransUnion stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
They are reporting wrong address and name

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 2018-02-21
Company: Receivables Performance Management, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A bill that I owe XXXX XXXX XXXX was sold to RPM by XXXX XXXX XXXX. RPM was calling me approximately 10 times a day. I expressed to them that they were calling me while I was at work. yet they continued to call all day. When I talked to them on the phone they told me that if I did not set up a payment plan they were going to turn the bill over to an attorney and report it to the credit agencies. I told them when they expressed this that they violated the Fair Debt Collections Act. The person on the phone told me that he did not know that company.. I had to explain it to them. I asked numerous times for them to send me a paper statement so that I could put it into my bills and get it into my home budget so I could make payments. It took them 2 months to send me a bill. When I called to try and make a payment over the phone they said that they would not accept any payment that was less than {$500.00}. They refused to accept any lesser amounts twice and I was told that if I was to pay any less than that I needed to send a check. As soon as I received the bill I sent a check. They now have reported on my credit report as " Collections ''. I have no other derogatory remarks on my credit report other than from a company that is impossible to work with, I did not even have an address to send a payment to for nearly 2 months.

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 2018-11-26
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XXXX XXXX XXXX Inquiry from XX/XX/XXXX. I didnt give permission in this service. 

XXXX Inquiry from XX/XX/XXXX i never had contract with this company. 
Synchrony Inquiry from XX/XX/XXXX I receive an alert in my email and had communication but I didnt get resolution because I didnt summit any application. 
XXXX XXXX opened a extra account by error and closed my credit card without my permission. it was in good standing. 
I talked with XXXX  and XXXX  but they didnt remove those issues from 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 explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my trans union and XXXX reports.

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 2021-09-02
Company: CCS Financial Services, 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: Information belongs to someone else

Complaint:
There is a paid collections account with remarks " Account information disputed by consumer, '' from XXXX that does not belong to me. The account number as shown is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Angel Oak Home Loans LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I looked at Angel Oak Home Loans LLC for a refinance I did not fill out the application Because they wanted my SS number which I did not want to give I called and they said they could do a Bank Statement loan and asked that I send my bank statements which they received and reviewed They called and said I did not have enought cash flow on XX/XX/21 Than on XX/XX/21 I got a letter in the mail saying they had run my credit Showing my credit score I did not give them permission to run my credit nor did I ever give them my SS number Angel Oak Homes Loans LLC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Took upon themselves to find out my SS number my guess through my bank statements And run my credit again without me ever giving them the number or did I sign anything giving them permission

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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:
On XX/XX/2017, I made a complaint that the credit agency continues to allow an creditor to incorrectly and inaccurately report late payments on my credit report. The credit agency sent me a copy of my credit report which verified the correction however after purchasing a new vehicle I was offered a higher interest rate due to late reporting with this same creditor and credit agency. I contacted the creditor which advised they sent corrections over and no recent late credit payments. 

As I stated back in XX/XX/2017. My payments are due on the XXXX of every month. Based on the Fair Reporting a creditor can not report a 30 day late for not paying a late fee. 

It has been discovered that the credit agencies are allowing incorrect and inaccurate credit reporting by XXXX XXXX. My credit reported shows numerous 30 day late 's. This is the same issue back in XX/XX/17 which at that time showing XXXX days late on my credit report in XX/XX/2017. 

They previously advised they report the XXXX of every month and if the payments are not paid in full then its reported late to the credit bureau. I advised this is against the Fair Reporting Act.XXXX XXXX. XXXX. And they are violating XXXX section XXXX and XXXX. I continuously explain my payments are due on the XXXX of every month and they can not change my contract. I advised purchasing the loan doesn't change any terms. I asked for the contract showing my signature that changed the terms of my loan. 

The credit agency makes it very difficult to dispute online or by phone. I have asked for a updated credit report several times and never receive one or they advised I have to pay for me. I do not believe I should have to pay for a credit report to verify the inaccuracies reporting.

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 2019-09-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds. 

BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable. 

I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX 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