BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has lied and claimed XXXX different companies said something that none of them said and has refused to back up proof, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me by being mentally challenged. Give me a XXXX or 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Account Resolution Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 3 accounts in collections with Account Resolution Corp and have been trying to get them resolved one by one. Today XX/XX/XXXX I called to make sure a payment was received for one of the accounts which I was told by one representative it was on XX/XX/XXXX. She was about to note the account & put the request to have the account removed " adjusted '' from my credit and the call was lost. Per my last call ( before the payment ) on XX/XX/XXXX, I spoke with XXXX who advised that it would be removed from my credit and they report every Friday I believe. I was disconnected from the first rep today and didn't get her name so I called back and got XXXX. I believe I spoke with him before in the past and he was very rushy and rude and at first didn't even show I had made the payment. I was also trying to pay on another account and all he seemed concerned with was the payment which was only {$89.00}. I tried advising to him I had just talked to another rep and was disconnected and asked if I could talk to her. He never transfered the call and continued on. He never gave the mini XXXX either.I explained to him I just wanted to talk to the last person since I didn't have a lot time. I just wanted to make sure the other account was taking care of before proceeding. He said he'd have to place me on hold and look into this for the adjustment. Once I told him I would just call back and look into or contact someone else he became more irate insisting payment and made a remark that contacting someone else wouldn't do me any good. I was very upset upon the end of this call and just wanted the information to get these cleared up but I feel he was very insensitive of my situation and was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: U.S. BANCORP
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
- I am being pursued by U S Bank for fraudulent credit card charges - I reported the credit card charges to both the police and U S Bank as fraudulent - U S Bank will not stop calling or threatening me even though I have asked them to stop - On XXXX/XXXX/16 I filed a complaint with the CFPB - On XXXX/XXXX/16 I received a call from XXXX XXXX in the U S Bank Fraud Department XXXX XXXX XXXX ). XXXX told me that all CFPB complaints are sent directly to the president of U S Bank and that the bank president had contacted XXXX regarding the complaint. 
- On XXXX/XXXX/16 at XXXX I received another harassing phone call from the U S Bank collection department XXXX I explained the fraud issue to the collector XXXX XXXX XXXX ; directed him to XXXX in the fraud department ; asked him to stop calling me ; reminded him of my rights under the consumer protection laws. All that XXXX would say is that I needed to fill out a form if I wanted the bank to stop calling me. 
- This is the XXXX such phone call I have received from the bank since XXXX/XXXX/16. I have explained the fraud issue each time. Several times I was placed on hold while my call was transferred to the fraud department for further handling but, each time, after an extended hold period, I was disconnected. 
- I have provided the bank with a standard fraud affidavit ; a copy of the police report ; and all details that I have with respect to the fraud ( in writing ). The fraud was perpetrated by my ex-husband and I even provided U S Bank with his name address and phone number. 
- The bank failed to perform adequate due diligence to confirm the identity of the applicant. Consequently, the bank opened an account based on false information and is now faced with the consequences of their failure to know their customer. 
- The bank 's failure to adequately vet an application for credit or follow industry " know your customer '' due diligence does not entitle them to pursue me, the victim, for debt I did not request, create or even have knowledge of until a few weeks ago.

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 2016-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a one time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither XXXX nor Transunion scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at Transunion said he can see my score. But when I tried Transunion.com, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON TRANSUNION.COM to purchase such a score for such a price. To date I am still unable to get my scores

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 2015-10-20
Company: ASTA FUNDING INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hello I have a bill for a cell phone i took out for a friend of mine in 1999 the debt is on my credit report as a civil judgement. I called the collection agency bcs i stalled on paying back bcs like i said i did not feel i should but i know it is my social and my information on the debt. it was originally {$850.00} and that is on my credit report. Now i called them and they want to charge me a daily rate of 4 % on the balance which according to them is {$1800.00} they wont stop the intrest accruing daily or work with me to reduce the debt i want to pay off. 

Can you help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: CITIBANK, N.A.
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
XXXX froze my heloc because they devalued my property i have since paid down both my first mortgage and second mortgage by over 50 %. they want me to order and pay for an appraisal which i am not going to do. when the froze my line they instructed me my home dropped in value to XXXX which is XXXX. but i will accept that value since i have paid down my mortgage by over 50 % i am not paying for an appraisal

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 2016-12-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I keep receiving late charges on my auto loan monthly even if I send in an amount over what is owed on the loan. {$6.00} is being charged every month and I get a separate statement for late charges and one for my regular payment. The company is Ally Financial. Here 's an example- My monthly payment due is {$300.00}. Statement total was {$390.00} which included a {$66.00} past due total and a {$24.00} late fee. I paid a total of {$500.00} which should have covered everything. {$430.00} was applied to unpaid balance and {$68.00} was applied to finance charge. No money was applied to the late charge but then I get another statement/letter saying I still owe {$27.00} in unpaid late charges. I feel like I 'm being robbed here. Can you help me out?

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 2017-11-24
Company: Client Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently discovered my XXXX XXXX account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or XXXX XXXX Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or XXXX XXXX Card. I am a college student trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: MI
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, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced Recovery collection is reporting on my credit reports a bill, that has been on my credit reports on and off for over 20 YEARS. The account # XXXX first appeared on my credit report in XXXX XXXX with XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX of XXXX. 

It was then sold to XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It was then sold to XXXX. XXXX XXXX and re reported with account # XXXX in XXXX XXXX. 

It has now been sold to Enhanced Recovery Collections with the account # XXXX in XXXX XXXX and updated by Enhanced Recovery Collections in XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Someone with a similar name to mine received services in mid XXXX ( believe it was XXXX ) from XXXX XXXX XXXX XXXX which I have never used/been to ). This person did not pay for these services and the account went in to collections with XXXX XXXX in XXXX of XXXX. I randomly looked at my FICO credit score in XXXX of XXXX and noticed huge drops that I was able to link back to the collections at XXXX XXXX. After speaking with them, they could directed me to XXXX. After speaking with XXXX, it became clear that they do no collect any verifiable information on their customers. All collect is name, address, phone number, and email. All of this is done without looking/verifying with a drivers license. The person they have on file has the same name as me, but that is it. I was then directed to speak with the credit bureau ( Experian ). I have disputed this issue twice now and provided my driver 's license that shows I am not associated ( nor have ever been ) with the address that is linked to all the accounts ( XXXX, XXXX XXXX, and Experian ). I suspect somewhere in the process from XXXX XXXX to Experian, this was incorrectly tied to my account in Experian and has been making my credit score suffer. Additionally, I went in on Experians system and disputed the address that is not mine. They processed and accepted this dispute and removed the address from my file, so I do not understand why this is issue is still attached to my account and affecting my credit score. I believe that information ( such as my SSN ) should be used to verify that I am not this person and so that this incorrect collections record can be removed from 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 2022-05-21
Company: Experian Information Solutions Inc.
State: MI
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, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end 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 2015-05-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is charging for equipment which was picked up at the time of disconnection. The equipment was handed over to the technician. I have continuously disputed this on many occassions, yet they continue to report this debt. I have asked for the debt collection company to request proof, yet they do not send me anything. I am furious because they are allowed to report this debt, yet are not able to provide any proof as I have requested previously. I want to file a complaint against Enhanced Recovery company and XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands

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 2015-06-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My son cell phone account with XXXX was under my name. 4 years ago my son left the country for a long trip. I called XXXX and asked them to freeze the account. the person who took care of this matter specifically said that when my son comes back we can call to reinstate the account, 3 months later, after this call I started to get bills from XXXX. since we also moved to another address I got those letters much later, I called XXXX and questioned those bills, they told me that after 3 months the freeze is removed, I explained that this is not what we where told, I decided to close the account. I paid {$200.00} for an early termination and was sure they will remove the charges that was done for no reason, for no use of the line, but they did n't. they send it to a collection company that keeps changing names after I dispute their charges. 
I 'm not willing to pay for someone 's else mistake, and for a service I did n't enjoy. 
The latest company name of the collection company is ENHANCED RECOVERY CO LLC. I would like to resolve this issue once and for all!!! Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call at least 6 or 7 times a day and leave messages in spite of me blocking their number. They have been doing this for months and it keeps me from getting medical appointment updates. I am having to go in and dump messages from my phone. 

I suspect this is the bill for the HSN card where Synchrony has received over {$XXXX} for a {$XXXX} makeup purchase because no matter what I did I kept screwing up the due date. At some point, they need to give us a break. I had finally gotten payments synchronized and then credit companies changed hands with little room for amnesty. And I just couldn't get it back on track. 

If you're charging a late fee every month you get a payment something isn't right.

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 2020-08-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Completed a lease with Hyundai Motor Finance ( HMF ) on a XXXX XXXX XXXX. 
The vehicle was returned to the dealership on XX/XX/2020 - no damages were noted on the return of the vehicle. 
This vehicle was original to have been returned on XX/XX/2020, however, Hyundai refused to accept the return due to space constraints at their dealership lots. Due to repeated calling, the vehicle was finally accepted for return on XX/XX/2020. 

I am owed a {$1600.00} refund for my security deposit on the vehicle. I have spoken with HMF on several occasions, the agree this money is owed to me. I was told the refund would be issued within 3 weeks of the return of the vehicle. 
HMF has not issued by refund and will not give me any timeline. 
As of the writing of this letter, it has been 63 days since the return of my vehicle. 

Hyundai has breached its lease agreement with me on multiple points.

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