BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
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:
Trans Union continues to report inaccurate information regarding my credit file. Trans Union is reporting current up to date accounts as potentially negative accounts. 

Trans Union reported a XXXX delinquent account when the accounts are paid and no longer reportable on my credit report. 

Trans Union continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

Trans Union continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

Trans Union continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 started an investigation into the collections account that has mistakenly been sent to collections in my name ( the debt was never mine, the VA approved my ER visit and the hospital was aware that the debt was not mine, but they billed me anyway and I wasn't aware of the debt until XXXX of 2018. I contacted the VA and they informed the creditor how to pursue the debt with the VA, they ignored this and just resubmitted the claim to a different collections agency six months later. 

Transunion did a quick investigation and concluded the debt is accurate. There is no indication if the information I submitted with the initial dispute was ever received or viewed and the company makes transparency in the process non existent. I informed them of the entire situation in the dispute form I submitted and there was absolutely no reference to it anywhere that I can observe. 

This situation has caused me financial distress that could result in tens of thousands of dollars over the life of loans I am currently purchasing. I worked incredibly hard to establish an excellent credit rating and this has contributed to my rate plummeting.

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 2019-09-19
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently sold effective XX/XX/19 from XXXX XXXX to LoanCare ( " XXXX   XXXX  XXXX '' ) and I was informed there is a 60 day grace period for me to pay my mortgage to LoanCare. Despite the grace period, I have received physical mail at least four times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe I have misplaced other mailings ) ) from LoanCare saying my payment was late. All this mail is obnoxious considering I know I have the grace period, but might be distressing to someone else who is confused by the fact that the company has sent so many notices. I have made the payment now, and would have set it up before the due date, although their website would not allow me to set up the payment earlier. I suspect these mailings are not illegal, but want to make the complaint in case there is grounds for reprimanding Loancare.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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: Old information reappears or never goes away

Complaint:
I attended XXXX College and it was closed for fraud. I have reported this issue and XXXX  says they do not see school as closed. They keep reporting to my credit that I am not paying loans.

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 2021-06-30
Company: ALLY FINANCIAL INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ally Bank sent me a letter indicating that they had passed unencrypted user names and passwords to third parties due a website error. This, according their letter, happened in XXXX yet the notification letter was sent to me on XX/XX/XXXX. 

In a media statement to me Ally acknowledged that this data was sent to these third parties in the clear as part of a website bug. They have refused to provide a list of who these third parties are but have acknowledged that not all of these third parties have actually deleted the data. 

This is a serious security issue and Ally is not forthcoming. They need to level with customers what data they sent to these third parties, who they are, and why that data hasn't been deleted yet. 

I covered this in more detail here : 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 non-monetary relief
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: MN
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: Problem with personal statement of dispute

Complaint:
Dear CFPB and XXXX representative, This complaint is a follow up to unresolved issues from 2017 filing to XXXX XXXX. XXXX 's mishandling of the account is a huge violation of the Fair Credit Reporting Act, and I urge the CFPB to take a cautious look at XXXX Credit Card actions backed by XXXX. Numerous consumer sites detail the fraudulent activity by the company in opening accounts, moving money around, restricting access and ruining consumer credit. This needs to be put to an end with an acceptable resolution. Legal action should follow if consumers are not granted an acceptable and prompt resolution. Further information in the attached word document. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MD
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 have disputed this XXXX account for over 5 months and the credit bureaus have yet to update the status of this account. This is violating my rights as a consumer. The credit bureaus must remove any inaccurate account from my credit file. I first disputed this account because the payment history shows that I was 120 days late 2 months in a row. This is not possible and is inaccurate. The credit bureaus also have not update the status date or included any comments that this account has been disputed. This is also inaccurate and the account should be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Over 30 days ago I noticed a withdrawal from my HSBC account. Someone wired money from my account to another account in Illinois. I contacted my account and they were able to get a hold of the other bank and stop the distribution of my money. I have now waited over 30 days for the amount of {$400.00} plus a {$35.00} service charge to be put back in my account. It takes over an hour to sit on hold waiting on someone from the fraud department to get on the phone and when I do no seems to know when I'm getting my money or what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Google Compare Credit Cards Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have purchased a {$50.00} gift card for Google Play. I securely paid using XXXX XXXX for the gift card addressed to myself digitally with a serial number and yet again google prompts me to upload an image of the Digital gift card, receipt of purchase, and a picture of my ID in which I immediately do again. 

On my previous complaint to the CFPB # XXXX which took close to 3 weeks to resolve on behalf of Google. 

Google had tied up my money and didnt allow me to use my gift card for purchases. I received a Bureaucratic runaround and no evident action was being taken. 

I called and spoke to XXXX I had explained this matter is happening now for the 3rd time & was asked to wait it out like the last time then given Google Support Inquiry : Case ID [ XXXX ] which only addressed a separate issue which is Googles fraud prevention department locking up my credit/debit card purchases not even acknowledging the gift card situation. 

I dont want to have to go through this again as this department is not able to be directly contacted as well as unresponsive, Please assist.

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 2018-04-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is the 2nd time in 3 years I ran my credit report online.. The first report always is a success, then the next 2 fail. They have improper information that might make it fail. 
I have tried calling etc. Many hours into this, and they do not seem interested in fixing the incorrect info. You, would think they are XXXX or the Government. My info has been hacked also does the Gov. fine them NOOOOOO. I was able to run XXXX  but then it failed because thier were address 's that I did not live at ever and maybe laons not mine. How do you pass their questions when they atre incorrect. wouod be nice if they wouod talk to me too fix errors!!!!!!! 
Also fix their unfriendly annual credit report. 
I'm 100 % sure they will say its for my security. The question like when did you take out a home loan that has been payed of for 3yrs. Even the bank couod not tell me what year I took out the home loan that has been paid for 3 yrs. Appears to me they want you too fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Mercedes Benz Financial Services
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:
I was denied a loan on XX/XX/XXXX and when I asked for information as to why, I was told that a CRA by the name of XXXX was reporting a Repossession on myself and my wife from XX/XX/XXXX. I have contacted this company many times with no response, but I was relentless with requests for copies of reports, demands for removal of inaccurate information, notices of disputes, threats of civil suit and finally yesterday, I was sent the response below, and advised that : [ quote ] " Hi Please find an attached file containing your report as we have on file under XXXX. Please note that we will contact MBFS to verify the commercial credit reported for : Obligor : Address : XXXX, MS XXXX Phone : Tax ID # : XXXX Once we receive their findings, we will notify you. As noted previously, we can not suppress this data unless directed to do so by the reporting commercial lender, MBFS. Please do not contact us again, we will notify you if any changes are made. 

XXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX '' They are erroneously reporting an occurrence that has passed the reportable time allowed by the FCRA, FDCP, and many other laws. 

They reported to my lender that my wife was a co-borrower on this loan, yet refuse to provide any valid proof of such ( there is none ) I contacted ( XXXX, [ XXXX ] ) MBFS said they " have no such account, nor are they reporting any such account '' yet this item has shown up for many years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Coastal Credit, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
OnXX/XX/XXXX I received an email from a collection representative stating my account was past due. Upon receiving the email, I noticed that the email was not only sent to me, it was sent to other customers with past due balances and our names were included. Also the mini Miranda was not mentioned anywhere in the email. I contacted Coastal Credit and spoke with a collection manager by the name of XXXX XXXX on XX/XX/XXXX and made him aware of what the representative had done. XXXX stated that he had to contact the Vice President in reference to the issue and would get back with me the same day. On XX/XX/XXXX I contacted XXXX because I had not received a return call and he stated that they were handling the issue internally and there was nothing else they could do. I informed XXXX that I was aware the punishments that could apply to a creditor for violations of the FDCPA and I would like to be compensated for being violated. He stated that would start a formal complaint. OnXX/XX/XXXXI received a call from XXXX XXXX ( a supervisor with Coastal Credit ) and he stated that the company knew the agent had violated the FDCPA and it was handled internally but after speaking with their legal counsel I am due any compensation and I could move forward with my complaints and any legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: EQUIFAX, INC.
State: AZ
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:
Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2019 at XXXX, my young daughter received a voicemail from a XXXX XXXX with XXXX XXXX XXXX , & XXXX XXXX XXXX XXXX XXXX telephone number XXXX. The voicemail stated I had listed my young daughter as a " point of contact '' for a GE Capital Bank/JC Penney account ( false claim ). The gentlemen referenced an account number of XXXX. I have never given my child 's number to any such company as a point of contact for me. I received the first letter concerning this in the mail on XX/XX/2019 ( dated for XX/XX/2019 ) demanding Final payment by XX/XX/2019 in the amount of {$2500.00} in order to " avoid suit ''. I have not received any other calls or correspondence from this company. 
Furthermore, I have written a letter to this company and will it mail certified letter disputing any such debt. I do not currently hold a JC Penney account nor have I ever charged this outstanding amount on a credit card with them. I utilized a Consumer Protection lawyer in XXXX TN several years back ( XXXX XXXX ) who assisted me with some 3rd party debt collection unfair practices. This appears to be the same thing again.

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 2020-05-06
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I received loan for Mariner Finance. I believe that I made all the payments but now I am being told that I owe the entire amount of the original loan. It is now being reported as such. I believe that I am a victim of predatory lending practices. I believe that there was a small undisclosed amount left with the loan and the attached fees and interest until the amount was in the amount of the original loan amount then they reported it to the credit agencies. I attempted to review my account through my online account with Mariner Finance and see no records of prior loans or payments made. I am trying to take care of the amount I  actually owe with the company. I made payments for the time agreed upon. I was only notified that I owed the entire amount of the original loan.

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 2021-09-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After reviewing my credit report I am upset that the listed items on my letters are still reported inaccurately despite I have already informed you that they are erroneous and its impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.

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 2022-08-08
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

Account names XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX XXXX Account no. XXXX XXXX XXXX  Account no. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Accounts XXXX, XXXX, XXXX, XXXX, and XXXX quick recover has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 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