BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I believe my personal information was breached and I noticed a few inquiries on my credit profile and asked Transunion to delete them but the inquiries are still on my credit profile. Please delete these fraudulent inquiries from my credit profile. 


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 non-monetary relief
Consumer complaint received 2023-03-20
Company: LoanCare, LLC
State: PA
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:
I claimed XXXX  XXXX bankruptcy in XX/XX/XXXX. I excluded my mortgage and continued to pay on my mortgage which XXXX current with through todays date XX/XX/XXXX. The mortgage company is failing to report my current payments to the credit bureaus and have not reported any payments since XX/XX/XXXX. They claim that my bankruptcy attorney never filed a reinstatement agreement and therefore its the lawyers fault. Regardless I have been making timely payments for the last two years and its not fair that my family is being harmed when current payments are being made. They should be reported to the credit bureaus so my credit reflects my mortgage. They send me mortgage statements every month and I pay on time. Theres no reason its going unreported. My fico score can not go up because my mortgage is not reflected even though Im current on all payments. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Netspend Corporation
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
DISPUTED CLAIMS Unauthorized Claim ID : XXXX Claim Closed Claim Received XX/XX/23 Under Investigation XX/XX/23 date reported Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : ATM Cash Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$200.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX XXXX XXXX XXXXXXXX AL XXXX XXXX XX/XX/23 - {$39.00} Credit : Signature purchase from XXXX XXXX XXXX XXXX XXXXXXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXX CXXXX XXXX XXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : Signature purchase from XXXXXXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XX/XX/23 - {$10.00} Credit : XXXX purchase from XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 - {$17.00}

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 2021-12-06
Company: EQUIFAX, 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:
multiple inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
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: Account information incorrect

Complaint:
Was removed as an authorized user account has since been closed. Ive contacted both transunion and XXXX and the bad information is still on my profile. Id like the account reported as closed and removed as it is not my 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 2023-03-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2023 I initiated a consumer credit transaction with CITI/COSTCO using my credit card. A couple days later I received and adverse action letter that was unfavorable for me, the consumer, and received no benefit. I was uninformed about the use of credit and i was subjected to inaccurate and unfair credit card practices. Consumer reporting agency was used in whole or in part without respect of my right to privacy. I was unlawfully discriminated against while exercising, in good faith, my rights.

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 2017-11-13
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX and financed by Credit Acceptance.  XXXX is contact and owner of XXXX. In reviewing the Bill of Sale fees not discuss pre-delivery fee of {$190.00} and GAP {$630.00} include in sale totaling {$6600.00}. The vehicle was already on the lot AND I feel I was overcharged for the vehicle. I was under distress when I purchase this vehicle. After the down payment I owed {$5600.00}. Time of purchase the vehicle had over XXXX miles. I lost my job in XXXX and begin to struggle with payments. The vehicle was repossessed by Credit Acceptance on XX/XX/XXXXXXXX. I tried calling on a few occasions to make payment arrangements. My son just started a job and was getting first pay check on XXXX XXXX. I would have been two months down after XXXX. I asked Credit Acceptance to give me till XXXX XXXX. I was told by customer service they would call me back instead they pick up vehicle and repossessed. I had over {$2000.00} of nice stuff in vehicle because I was in the process of relocating and Credit Acceptance took my stuff. They did not send a letter or any information on repossessing vehicle or letter stating they were repossessing the vehicle. Now, Credit Acceptance has placed me in the Credit bureau claiming I owe on the vehicle that is no longer in my possession.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 I confirmed the alleged debt with the original creditor ( XXXX XXXX XXXX ) but the representative was unable to locate the account. XX/XX/2023 I submitted a complaint to the XXXX XXXX XXXX about XXXX XXXX XXXX ( XXXX ) stating that I did not enter into an agreement with the company. XX/XX/2023 XXXX and XXXX adjusted my credit report and removed the collection from my account,. XX/XX/2023 I submitted a dispute with Transunion about the inaccurate report concerning XXXX in which I stated that I did not enter into an agreement with the company. XX/XX/2023 Transunion closed the dispute. Transunion stated that XXXX confirmed the information was ACCURATE. Transunion has not thoroughly investigated the debt ; it has caused tremendous hardship financially and emotionally.

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 2023-03-20
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: Investigation took more than 30 days

Complaint:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$75.00} XXXX XXXX XXXXXX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX XX/XX/XXXX {$570.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERASSIST AR SOLUTIONS is falsely reporting on my credit that I owe {$660.00} in which I have never done any business with this company. Please remove this inaccurate information immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Experian Information Solutions Inc.
State: MI
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:
I have a fraudulent XXXX Bank account on my credit report that XXXX and Experian refuse to remove. I have been disputing this acct for a whole year to no avail. The acct usage is totally fraudulent. There were unauthorized charges made on the acct and the company agreed to remove the acct from the credit bureaus after receiving payment. XXXX recognized the acct as fraudulent and removed it.

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 2023-10-17
Company: Capio Partners, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal complaint that this company is reporting information on my credit report tht is the result of identity theft. XXXX XXXX  previously placed a derogatory account on my credit report to a collection agency to which XXXX on identity, theft report because I never received treatment from reading hospital in XXXX. The inaccurate information was removed. As of XX/XX/2023, I noticed XXXX collection accounts for the same items tht was removed back on my report under a different collection agency to which this is a clear violation of FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name : XXXX - Account # : XXXX Account name : XXXX - Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX U.S.C. 1681 Section 602 Ab 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 an 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 or 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. 1682s-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.

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 2022-07-12
Company: EQUIFAX, INC.
State: AZ
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:
The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I received a Loan modification with a interest rate of 2 % Fixed for 30 Years from my Lender in XXXX 2010 & Recorded as such with the County Clerk Office, Then I received other documents requesting my signature with a Interest rate of 3 % & the rate would subsequently Increase, .My Lender has consistently refuse to Honor the original signed Loan Modification agreement .I have contacted them on numerous occasions but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: LA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had a Mortgage with XXXX  XXXX in XXXX while on XXXX XXXX in the XXXX this was XX/XX/XXXX, in XX/XX/XXXX the Mortgage crisis hits and Bank of America assumes my XXXX XXXX Mortgage # XXXX. In XX/XX/XXXXthe XXXX sends me Orders to report for duty in XXXX, VA. I was able to make payments on this house until my retirement in XX/XX/XXXX, I used my savings till it dried up in XX/XX/XXXX. That was the last time a payment was ever made on this loan, for a house that I haven't lived in since XXXX! In XX/XX/XXXX they transfer my Loan back to XXXX XXXX! In XX/XX/XXXX XXXX XXXX   Transfers my loan to XXXX who reports my loan in a Negative Status until it is finally Foreclosed upon in XX/XX/XXXX, and then doesn't get reported to the Courts until XX/XX/XXXX. I have been denied credit for a Foreclosure since XXXX, and the fact that I refinanced my XXXX  XXXX in XXXX, paid it off completely when I sold the home in XXXX. Financed a brand new XXXX XXXX in XXXX, it too is completely paid off, but I am still being denied credit in XXXX because of this Fraud to my account! I do not feel like this is fair to a XXXX Veteran that served his country for 22 years 7 months an 10 days to continue to deal with this Fraud and Abuse to a XXXX Veteran  of this country! You can't report both loans! Thgis is Fraud!!!!!

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 2019-03-10
Company: Alliance CAS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I entered into a payment agreement with Alliance CAS for XXXX HOA collection fees on XX/XX/XXXX. I received one invoice dated dated XX/XX/XXXX, with a balance of {$1000.00}. At the time of the agreement, XXXX HOA fees had not been assessed, and were not due. Therefore, were not part of my payment plan. On XX/XX/XXXX, the XXXX XXXX XXXX held a meeting to assess XXXX fees, and vote. On XXXX I called XXXX XXXX to inquire about my coupon book. I was told that I was to pay through Alliance CAS. I stated to XXXX XXXX XXXX president, that I had not received an invoice, coupon, or any type of notice for payment. I advised I would pay through XXXX XXXX XXXX as I had with my XXXX dues, that I only owed Alliance CAS collection fees, I had paid all assessment fees, and lien fees directly to XXXX XXXX XXXX via XXXX XXXX XXXX. On XXXX, I received an email from XXXX stating I owed a late fee, and the full amount of {$390.00} for XXXX. However, I had not received a notice and asked her to remove late fee, and to break my payment into two payments as the other residents were afforded. She did not respond to my email. Instead ... sent me a certified letter of the late fee due. Please see attachment. You will see I have made my payments per the XX/XX/XXXX agreement, and only invoice received on XX/XX/XXXX. On XX/XX/XXXX, {$190.00} was due ; however, I didn't received coupon book for XXXX XXXX XXXX, and {$190.00} is due XX/XX/XXXX. I emailed XXXX twice, and she has yet to respond to resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a surprise notice of debt collection from Credit Collection Services indicating I had an uncollected debt owed for {$71.00}. 

There was no detail beyond that this company was collecting the debt on behalf of XXXX. As a patient I have an account with XXXX indicating I had no obligation due. 

I never received any bill from any provider regarding this charge. I called XXXX and they confirm there was a billing error. As evidence I am attaching the bill which indicates an address that does not exist. The company combined the street of my temporary address and the city of my permanent address. This is the exact reason why I did not receive the medical bill. In the attachment you will see the red circle is a completely incorrect address. 

Upon realization of this error I immediately paid and XXXX admitted its mistake. However the bill was already sent to the debt collection agency. 

Up until this point I have not received a validation notice and therefore there should be no reporting of the already satisfied in full debt to any and all credit reporting companies. The evidence of payment is also attached. 

I spent an hour trying to speak to someone as the agency and was left on hold. I provided all proof to all parties indicating the satisfied debt that I was completely unaware of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been reported as 60 days late on one reporting bureau and 30 days on another. 15 USC code 1681i, Inaccurate or Unverifiable Information must be deleted. Also, in accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC Code 1666b, a creditor may not treat a payment under an open and consumer credit plan as late for any purpose.

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 2019-03-18
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt collection on my credit reports from Ability Recovery Services, in the amount of {$710.00}. 

This debt was transferred back to XXXX College on XX/XX/2018, where it was paid in full in two separate transactions of {$350.00} on the same date. 

Per XXXX College on XX/XX/2018 by a XXXX XXXX my debt is to no longer be with an agency, my debt was paid in full. 

I have disputed the debt to the Credit Buraus but Ability Recovery Services claims the debt is still active though I have receipts and ticket transcripts with XXXX College proving that it is not and refuses to remove the debt from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation