BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Trans Union is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX XXXX years old account that is closed saying Iam late the XXXX office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!

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 2019-05-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony Bank Opened an account advised by XXXX  office to finance XXXX  work. After a year of making triple monthly payments an interest charge of over {$300.00} was added to my account. I have never used this account to add to the balance. Made triple payments. They told me I had not paid balance in full by the end of a promotional time so they added this interest. I believe the public should be aware of this banks practices and know to read all fine print, which I obviously did not do!

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 2019-05-16
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:
On XX/XX/2019 i sent a letter to Equifax asking for any and all documentation that they have verying these accounts are actually mine.also with the i sent a photocopy of my Driver 's License, Social Security Card and address.only for Equifax to reply back saying that they can not find a credit file with the identification information that i sent.these are the accounts listed.and they also asked me to send a copy of my driver 's license and social security card. 

XXXX XXXX {$580.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, 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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable. Please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 have tried contacting Transunion and all of the places listed on my report to get the hard inquires removed. I am aware that there was a server breach during these dates and the hard inquires were removed for a time and then put back on. I also am aware under section 6-11of the fair credit reporting act that the consumer is required to be notified within 5 days and I was not. The following hard inquires continue to remain on my credit report : 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 ; 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 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

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 2017-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card with USAA was falling behind in payments. At one point, I got a letter about how much was past due that mentioned a special debt solutions payment plan. I called USAA and enrolled in this payment plan. Under the payment plan, I would pay $ XXXX/mo. After 4 consecutive months of making these payments, my account would be brought current. The first payment was made in XXXX. I have, however, continued to get letters about my account being past due even though I have made every monthly payment at least through XXXX ( not sure if XXXX came out yet ). That makes 7 months of making the payments. My account is due according to the payment plan I entered into with USAA. I attempted to call previously about a month ago ( XXXX ) to straighten it out. The woman with USAA was n't much help and wanted to talk more than listen. After explaining the plan several times, she finally understood and said she would make a note for the debt solutions team to fix it. Yet I 've still gotten letters. Tonight, I called again after getting a letter dated XXXX XXXX. XXXX answered. I explained the situation. She looked into it. She came back and explained that there were two payments made in addition to the $ XXXX monthly payments. Because these two payments were for less than {$190.00}, they counted as an insufficient payment for the payment plan and reset the months needed to bring the plan current. In effect, I paid too MUCH on my balance and was therefore past due. This is obviously a problem caused by automation and not how the plan is supposed to work. XXXX at this point became unhelpful and stonewalled any attempt I offered to resolve the situation. At one point, she asked what I wanted, to which I responded " I would like my account that is current in reality to be reflected as current in your system. '' Her response was that 1 ) she could n't do that and no one else could, and 2 ) my account was NOT current. At no point did I raise my voice, become abusive, or curse. She finally offered to transfer me back to debt solutions so they could look at it ( even though I knew they would n't be able to do what I wanted ). I said sure. She transferred me supposedly to them. I have been transferred to them before and the wait was never more than 5 minutes. I remained on hold for another 35 minutes before my phone shut down.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
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:
Fair collections & outsourcing is reporting to XXXX  as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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: Old information reappears or never goes away

Complaint:
On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate 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 explanation
Consumer complaint received 2018-01-25
Company: Nations Recovery Center
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Read my previous complaints and stop submitting a canned response that means nothing

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 2020-12-20
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hi, so I finance my vehicle from XXXX XXXX XXXX XXXX XXXX  through Westlake Financial on XX/XX/2020. My first payment was due XX/XX/XXXX, and I wasnt able to make that first payment which I contacted the bank to entend my first payment because I had XXXX. I sent them the information, all my documentation and they were able to extend it. On XX/XX/XXXX, a toll truck came and towed the car away, not knowing who did. Ive called westlake to see if they towed my car and they said no I need to call the dealership, they have no clue on that. I called my dealership and they as well said no they didnt. I was giving the run around on where is my vehicle which I feel like a fraud is going on. Where is my vehicle??

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 2020-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a XXXX year old XXXXXXXX XXXX student who is a victim of scam. I am a XXXX XXXX and I discussed via phone a business transaction involving performance and or ownership rights to some of my XXXX that I was willing to sell. We agreed on a price and the transaction/deposit was completed. I informed him that I would wait for the monies to be received and get clearance from the bank to legitimize the check before I would give authorization to my XXXX. The check was immediately placed on a hold and I never had access to the funds and I had no knowledge of the check being counterfeit nor would I know what one would look like. I assumed that if there was an issue with the check, the bank would notify and or assist me, but nothing was said or done until it was too late. I acted on good faith, being young and naive, and suffered great consequences. A few days later I noticed that the check never posted to my account and was in fact charged back/returned to the sender and shortly after, my Bank of America account was locked. I called the bank to inform them what was taking place and I received no help or resolution regarding the matter by various representatives. My account was then closed and I have been treated as if I were not a customer, or victim in the matter. I was completely oblivious to what was ensuing and I would never partake in any fraudulent and distasteful acts such as this. I have not been treated fairly nor assisted in any helpful manner by Bank of America. This is my last resort option to try and remove this heinous crime affiliated act from my consumer/credit report accounts. I pray that this be of some help to me to resolve this matter so I can carry on with my life. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I made a purchase online, but the order was cancelled. Walmart Capital One wouldn't make the funds available even after confirming with me and the merchant that the order was cancelled. After I complained they put another hold in my card for a purchase never made by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After submitting a complaint through the CFPB initially, Transunion received and initiated a dispute. Transunion verified the inaccurate information as accurate. By doing so they have violated the FRCA section 623 refusing to correct or delete inaccurate information my report. More specifically, I reference the fact that Transunion falsely verified as accurate : 1. The date closed is inaccurate. How can the account be closed in on XX/XX/XXXX, but continue to report late payment the following months. 
2. Last payment made shows to be on XX/XX/XXXX but in my payment history shows my last payment to be on XX/XX/XXXX. 
XXXX. The account shows charged of only after a XXXX date late. According to the Metro 2 standard, a charge off is considered to be after a 120 day late. 
4. The Date Updated Field has never changed to reflect my Disputes, last on XX/XX/XXXX which make me believe that there was no investigation done after notifying Transunion of the this inaccurate account via the dispute process. 
This account is not reporting 100 % accurately and is a direct violation of the FRCA section 623 and the Metro 2 standard. Please review attached verified report sent to me by Transunion.

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 2018-06-08
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This school was charged with predatory loans and practices. It has went bankrupt and closed. I am trying to get my loans discharged on account of their fraudulent acts and closure. 
They took advantage of all their students, there were times they ran out of books for us, but the book fees were rolled in to the tuition so we couldn't get any money back. 
Most teachers had us XXXX tutorials, basically we taught ourselves. 
The teachers would show up half the time and make false claims so they could get their bonuses. 
I graduated and having their name on my resume is a red flag for any employer. 
Now I can't get employed in my field and I owe over 100k in student loans causing me to potentially be in debt for the rest of my life with nothing to show for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: Experian Information Solutions Inc.
State: NC
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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2018-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/ my vehicle was repossessed and I was verbally told I can redeem it as long as I paid a certain amount by the XX/XX/XXXX. I in fact paid it and was then told I needed a release to obtain my vehicle back. After several calls I finally received the release but when I called the auction where my vehicle was being stored for whatever reason they kept telling me they were closed, never received the release and I have to call several days later to make an appointment to retrieve my vehicle back. It now is days later and after several calls to the lien holder I still have no vehicle and since have lost my job since I have no way to work. Also I never received the statuory proper notices by mail per the NJ repo law stating they repossessed the vehicle.

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 2023-03-11
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of 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 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 Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX 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  Charge Off Item disputed on XX/XX/2023 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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