BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020, I was contacted by XXXX XXXX at XXXX XXXX regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX XXXX XXXX XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for XXXX XXXX. I explained to XXXX that during my conversation with a XXXX XXXX   Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called XXXX XXXX due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX never used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. 


I have disputed this account with all 3 major credit bureaus and XXXX XXXX then updated the account to Charge Off. They refuse to remove 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 explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Attended XXXX XXXX for nothing school doesnt exsist anymore and i have no dregree these loans failed " XXXX '' they being sued and this needs to be off my credit report XXXX needs to remove this asap 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 2020-05-10
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a XXXX XXXX XXXX on XXXX XXXX XXXX and Consumer Portfolio Services financed it. I am an XXXX XXXX XXXX and my work stopped as soon as the shelter in place order went into affect. I told the lender what happened and that I would be signing up for unemployment. They have called me every day including Saturday 's since then. In California Self Employed people could not even sign up for unemployment until XX/XX/XXXX. I told them that calling every day was harassment and to stop. They gave me an extension on XX/XX/XXXX but my account was immediately overdue the following day and they started with the calls every day after that. I still have not received unemployment or my stimulus check. I don't know if what they are doing is illegal, but it is a terrible way for a business to behave during a national crisis

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: TD BANK US HOLDING COMPANY
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:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: General Motors Financial Company, 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:
Credit report display six late payments ( XXXX, XXXX, XXXX XXXX ). I have written the company a hand written letter via USPS in XX/XX/XXXX to get these negative remarks removed with no success. I have also sent and goodwill email to the CEO explaining the situation and was again told they could not removed the negative marks from my credit report. I explained to the company that during this time I unfortunately did not receive the bills consistently which resulted in me paying the bills late. Thank you in advance for your consideration and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : XXXX XXXX HOSPITAL ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : 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 2020-06-29
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: Personal information incorrect

Complaint:
Wrong outdated address on credit report, reporting agencies do not have my correct name has other names will not remove 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 2021-07-17
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with XXXX XXXX  from XXXX ( {$3100.00} past due ). It was sent via certified mail & gave XXXX XXXX  ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$790.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX XXXX  agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX  , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.

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 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been the victim of identity theft and will be placing credit locks on all bureaus. The following inquiries are fraudulent and not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 2021-02-20
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2019 my truck was totaled. The insurance company decided to total it out due to the air bag and the damages. A week later my insurance company paid the blue book value of the truck with the miles that was on it. I had to go back and forth with XXXX for 2 months so to get them to pay the remainder balance. Then once that was done. I get a bill from them stating I owed them {$1800.00} I called them trying to figure out how. It seems like since the pay out wasn't payed all at once they kept the number rolling. I made sure they got their money before i even go a car myself. Putting all my energy into making sure they got theirs first. I was hurt in the accident and still going threw pains and issues from the accident. I need you to look into my situation about this matter at hand. I can look for paper work to support my case at hand to prove all thee above stated is true. I really need you guys to make right by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: Solomon and Solomon, P.C.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I pulled all three credit reports. Upon reviewing my report there was a number of negative accounts reporting. Two of the accounts were XXXX XXXX ( in  the amounts of {$120.00} and {$310.00} ) and Solomon and Solomon ( collection agency for the aforementioned ). According to the credit reports my last payment to XXXX was XX/XX/XXXX which is legit. I was XXXX overseas in XX/XX/XXXX and at that time informed all creditors to close or place accounts on standby. I also requested final bills if any to be mailed to a alternate address. Since I moved out of the apartment I was renting this account was requested to be closed, following up with a final bill if any. I received all my final bills while XXXX via family with the exception of UI. On my credit report the also waited until XX/XX/XXXX to close the account. At that time I was already in XXXX. I contacted XXXX  as soon as I pulled the report and expressed to them the very words I am writing now to no avail. This was no surprise as I previously had to file a complaint against them for reporting a account on my report that was fraudulent and was proven by furnishing my birth certificate as I was a minor when the account was in use. Nonetheless I thought things could've changed. Moving forward, I contacted Solomon and Solomon as they were representing XXXX to collect the debt. I was unable to reach someone so I left my number. On the same day of realizing I had a debt I wrote Solomon and Solomon a " pay to delete '' letter and sent it certified. On XX/XX/XXXX receive a call from a CSR from Solomon and Solomon stating they received my letter and they agreed with pay to delete, I will just need to pay online. I immediately logged in with the information given to me over the phone and paid the bill. It is now XX/XX/XXXX and they are still reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: GA
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 filing this complaint against XXXX  Credit. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX XXXXepresenting XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXX  Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX  Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
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: Investigation took more than 30 days

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.

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 2020-05-10
Company: Conn's, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When I made a XXXX refrigerator purchase in XXXX ( XXXX ) of XXXX, the total purchase price was {$1200.00}. That day I made a down payment of {$65.00} which is what was determined as my monthly payment. Since XX/XX/XXXX Ive paid a monthly bank auto-drafted payment of {$65.00} which, as of now is a total of {$910.00} I got ill during COVID and did not notice anything change in my account during that time, then when I got well in XXXX I went back to the online account I had set up and noticed that I had barely sratched the surface on payments. The amount Conns HomePlus is saying I owe ( as of XX/XX/XXXX ) is {$930.00}. The increased my interest from 0 % to XXXX per day on XX/XX/XXXX. 

I contacted Conns HomePlus on XX/XX/XXXX via email and called and spoke to a said XXXX for an hour or so to try to sort this out. I asked for a manager and was not offered one, she refused and said none was available and that nothing would change. I offered to pay the amount in full of {$440.00} right then, the amount that was due by XX/XX/XXXX, via our agreement of 0 % interest ( again, XX/XX/XXXX ) to take care of it and my offer was refused. They said " we will accept your payment but can not relieve you of the remaining balance ''. I still paid the montly {$65.00} on XX/XX/XXXX, as scheduled, then cancelled auto-pay because of this fraudulent behavior. 

So in short -- beginning on XX/XX/XXXX they began charging me 29.99 % interest daily which means I owe the exact amount I owed when I made the purchase 14 months ago. I was never informed of this interest and I was under the impression they would pull the {$65.00} each month until completion of the payment which would technically be within less than two payments. I realize now that they planned to keep pulling that {$65.00} each month until it was paid off based on their overwhelming interest increase. In addition, I called custoner service many times while ill and dealing with the existing COVID circumstances, as we all are. No one was willing to help me or even re-deal with me, even after I explained the situation. 

I went back through all emails to find all of my auto-drafts and an occassional marketing message but nothing about my account changing OR an account contract of any kind that agreed to such fraudulence. 

I have nearly paid for the item in full and they would like me to pay double for the item I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: MO
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 have contacted XXXX, Equifax, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Service Finance Holdings, LLC
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:
I submitted a complaint about Service Finance Company LLC on XX/XX/2020 ( XXXX ) regarding an incorrect past due on my credit report which caused my credit score to drop down 79 points. This complaint was investigated and Service Finance responded back that a manual error erroneously was reported a past due to the credit bureau and that they apologized to me and have rectified their error. Shortly after that my credit score went back up 76 points which made me happy. Then a week later I received another notification from XXXX  XXXX that Service Finance Company LLC reported me past due again to the credit bureau which lowered my credit score another 39 points. Also, when they responded back from the first complaint they referred me as Ms. and Her. They gave me the loan which I never missed a payment and I have since paid off in full and they mailed me a refund check for {$2.00}. I feel that this company needs to be investigated for bad business practices. Thank you for giving this matter your time and attention.

Company response to consumer: Closed with explanation