BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
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 droXXXX XXXX XXXX XXXXde 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX 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 2019-07-05
Company: Torriere Holdings INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
*******URGENT******* I called the XXXX XXXX XXXX  office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: C/C Financial
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help me.

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 2022-11-17
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:
Trans union XXXXXXXX XXXX XXXX XXXX  Refuse to send in documentation that shows they validated a XXXX XXXX that is showing on my Transunion and XXXX XXXX XXXX from the cXXXX XXXX XXXX instead they are using a non validated third party for incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: JPMORGAN CHASE & CO.
State: GA
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:
I responded to an inquiry in early XXXX from this company that I did not authorize. I never received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
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: Information belongs to someone else

Complaint:
all not mine fCRA violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$5600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 
Status Updated XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$260.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$600.00} Highest Balance {$740.00} Terms NA Payment History

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 2022-08-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Contacted Kia XX/XX/2021 when I had XXXX. They put me in a COVID payment arrangement which I kept, and still reported me 30 days late. I've contacted them multiple times which they make me dispute thru the credit agencies. So ive disputed this multiple times with it still coming back as valid.

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 2019-07-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {$0.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.

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 2018-01-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Walmart card total credit limit was XXXX. I paid XXXX in XX/XX/XXXX, they closed my account after I made this large payment. But they continue to charge my bank and take money out. The balance I owe was {$67.00}. Walmart has taken  that amount over 5 times and I have proof. It is on my bank statement. Recently, they took {$73.00} in XX/XX/XXXX although my account is paid in full. According to my credit report. WHY IS XXXX XXXX continually taking money to put in an closed account, now they are saying I owe them {$130.00}. HOW? I HAVE NOT USED THIS CARD IN ONE YEAR AND MY ACOUNT IS PAID IN FULL WHERE IS MY MONEY GOING OR IN WHOSE ACCOUNT. Something is not right here plea.e investigate. They already caused my credit score to drop by closing my account, Now this. SOMETHING IS NOT RIGHT, what rights does a consumers has please help! 

On the attach document shows Walmart ACH means automatic payment in XX/XX/XXXX of XXXX they are just taking money for me, why. I have XXXX children and need to build my credit to get a house and unhonest company is hurting the small man.

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 2019-07-05
Company: Receivables Performance Management, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft for to many years and I have to many collections in my credit report that doesn't belong to me. I'm only live in Pennsylvania and there's accounts from others states that appears in my credit report and differents address that I didn't even know. Can somebody PLEASE HELP ME?? This is ruin my credit and my life.

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 2020-04-28
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im seen losing a lot of my point during my process to get my loan and this company thats pull up my credit some of them I dont know them

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 2018-01-26
Company: General Motors Financial Company, Inc.
State: OH
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:
hello, Im having issues with my GM FINANCIAL account, its the only thing with holding me from a mortgage loan, I was having issues with my bank account in XX/XX/XXXX and XX/XX/XXXX, my debit card had been on a breach I had no access to my account I couldnt even use the ATM, that is why there was a 30 day late payment as far as XX/XX/XXXX I was over paying prior and when i saw my statement it said XXXX is due at the time but you still have to make a monthly payment so I was confused. I have typed a letter to the company explaining my situations Im just hoping to get this cleared up

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 2018-01-26
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This stems from a deposit made to a Joint Account owned by myself and my ( XXXX XXXX daughter who was XXXX at the time this account was established ). XX/XX/XXXX several deposits were made into ( Acct # XXXX ) from another Navy Federal Account ( XXXX XXXX XXXX ). I never had access to this money or benefited in anyway. I was never informed of this discrepancy. I had requested two times prior to this incident for my name to be removed from this account when my daughter turned XXXX. These request were never honored. Then XX/XX/XXXX I received my XXXX  XXXX pay in my checking acct ( XXXX ) which {$400.00} was taken from that to pay a debt I was never notified of per banking regulations. When this happened I called the bank and they refused to entertain why the money was taken and refused to refund it. I drove 3 hours to the nearest bank the morning before I put my XXXX DAughter in XXXX XXXX for XXXX XXXX after having a XXXX XXXX over the bank and their discrepancies. I went into the bank on XX/XX/XXXX where they refused to remove me from account and demanded payment even after seeing my daughter in a XXXX XXXX  unable to make XXXX XXXX. My daughters suffers from XXXX, XXXX XXXX XXXX, and XXXX which gives her XXXX, XXXX XXXX, and problems with XXXX. She just got out the hospital a week ago Thursday and now in XXXX XXXX XXXX. Details of this monies is being investigated for criminal charges. All of this has been explained to XXXX XXXX yet they want to make me the sane person responsible for a debt I had no knowledge of until they took my XXXX XXXX and then setup payment arrangement in order to refund my {$400.00}. SAD INDEED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: IA
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax is not doing the best to verify info before report it They still reporting XXXX  XXXX XXXX  account even it is not mine. They claimed that they verified this account with creditor but they did not verify it using my social security number which they fail to make sure they have 100 % an accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: BYL Collection Services
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have knowledge of this debt, called and e-mail the company for contract or any documentation stating I signed the contract, but I have not received a response. 

BYL SERVICES XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported : XXXX XXXX, 2020 {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company has called me habitually and I have told them that I can not commit to a payment plan and they refuse to take my card over the phone unless I set up a payment plan. I highly dislike the fact that I have to send checks to them as they will cash them, but they will not let me just call and give them my debit card over the phone. When I send the checks they take over a month to process and cash. This is a horrible practice as I want to givre them money and I'm giving them what I can and they are not accepting my money as I cant financially commit at this time. If they are collections, they need to take the money that someone is attemting to pay. You cant tell someone they will take your money only if you can set up payments. If im calling to send you even XXXX dollars, you should accept it as I am trying to pay something.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Penn Credit Corporation
State: NY
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 in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: LDF Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a {$500.00} loan on XX/XX/XXXX. My payments started on XX/XX/XXXX, I paid {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX {$130.00}, XX/XX/XXXX, {$130.00}, XX/XX/XXXX, {$130.00}. I skipped the next payment. I paid another payment on XX/XX/XXXX, and my last payment was on XX/XX/XXXX. I paid a total of {$910.00}. Every now and then I would call and check my balance which seem not to be decreasing at all.. Loan at last has been reaching out and I told them I was not going to pay anymore money. They offered me a settlement for {$470.00} and I could pay {$150.00} in installments and the account would be closed. I fell as though they have gotten their {$500.00} back already. 

This has put me behind on my bills and now I am trying to play catch up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Long story short .... Someone stole my money from my account bank. 
The bank only assume last 60 days. but now my account it's empty. It was a complete year of fraudulent transactions. 
..Talking in details.. I had 3 accounts ... the first one, was empty with fraudelent transactions ... when this one was empty the bank move form the other credit accont.. and when this one was empty, they move from my saving ... and never sent me any advice of what this happen.. I feel isnecure, outraged ... Now I was close these acconts. And this crime and the thieves go unpunished ... I can not believe it. 
And costumer serveces from the bank has not answer. The only thing that i see here is the complicity of this bank on this robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
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:
I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

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