BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted XXXX multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX XXXX which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.

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 2015-11-23
Company: MIDCOUNTRY FINANCIAL CORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There is an account with Pioneer/XXXX XXXX XXXX reporting on my credit file that is NOT MINE! I have submitted an ID theft Affidavit and demand letters to the bank directly and have not gotten a response. I am not getting the credit I deserve due to this error on my credit file. I need this account deleted 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 2015-07-21
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX I received a collection notice from Transworld Systems Inc. attempting to collect a debt from a creditor named XXXX XXXX. Upon contacting Transworld Systems Inc . I learned that XXXX XXXX is an anesthesiologist group. On XX/XX/XXXX I had a XXXX at a facility that was approved by XXXX XXXX. This medical procedure is covered XXXX % with our company 's medical plan. I was never notified of any outstanding balances from any doctors, labs or the facility until this collection letter on XX/XX/XXXX. When I contacted the agent for XXXX XXXX she stated that XXXX XXXX was not on XXXX XXXX approved list. XX/XX/XXXX I contacted the Dr. 's office and was told by the insurance person that it was n't their responsibility to check to see if the XXXX is on an approved insurance list. She also stated she has received approx. XXXX calls relating to these collection letters. During her attempts to contact XXXX XXXX she found out that this company went bankrupt therefore all telephone # 's were disconnected and that Transworld Systems Inc. refused to disclose any information to the Dr 's office. In the remarks column on my claims & statements from XXXX XXXX it states " SERVICE NOT COVERED NO AUTH - PROVIDER RESPONSIBILITY. Prior to my procedure the Dr 's office assured me that my procedure was covered by XXXX XXXX as well as their facility and Dr 's. I do not believe it is the patients responsibility to have to further check to see if anyone or anything else is n't covered. Another factor that I noticed is that the amount Transworld Systems Inc. is attempting to collect is {$530.00}. The actual unpaid bill that was submitted to XXXX XXXX was for {$510.00} discounted to {$240.00} with the member discount. The {$530.00} is not my responsibility nor do I intend to pay it. If I had this procedure done at a hospital it would not be up to me to check out if each medical dr. or lab is covered by my health insurance. The hospital submits the insurance information and gets the approval to go forward with all procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, 2015, I sent a letter to Transunion along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Prepaid card
Sub-product: General purpose card
Issue: Advertising, marketing or disclosures

Complaint:
midland funding llc, through their attorneys XXXX XXXX XXXXhave been calling my home number constantly for the past several days, in the afternoon, their phone number is not being displayed on my caller ID, they are in direct violation of Harrasement # XXXX XXXX Paragraphs XXXX & XXXX they are attempting to collect a debt ( credit Card ) that is XXXX years old since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 disputes for the following accounts with ALL of the Bureaus : XXXX Acct # XXXX balance {$110.00} XXXX XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance XXXX XXXX Acct # XXXX balance {$870.00} XXXX, XXXX XXXX XXXX and XXXX were unverifable and removed from XXXX   and XXXX  however Transunion is still reporting these unverifiable accounts on my credit report. In addition XXXX no longer owns the account referenced above the account was sold to XXXX. This company has also been contacted I am currently waiting their investigation results due this error.

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 2016-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I XXXX XXXX XXXX have information belonging to a XXXX XXXX XXXX on my credit report. I would like this removed. I get calls all the time for this lady. Our Social Security numbers do n't match. 
No match of our DOB. I would like the credit bureau service to know this is hurting my good credit. Just because workers are so fast not to pay attention to correct information. Please remove XXXX XXXX XXXX information of my credit report. Obvious this lady has bad credit and its needs to be on her credit report. Now I got people calling giving me a hard time. I was XXXX XXXX XXXX off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed a letter asking TransUnion to add a credit account on my credit report. The creditor did not report the account to the Credit Agencies. They told me to write a letter to them giving them the name of the creditor, account information. This way my credit history builds up. Trying to rebuild my credit and the information was missing. I paid off the account in full and would like to get credit for that. The letter was sent certified, I got a letter back stating that the information I was disputing was not on my credit report. The letter states it is not a dispute rather correction since it does not show on my credit report. The creditor told me to contact all of the XXXX credit agencies. TransUnion does not give you the opportunity to add accounts that are missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Opening XXXX and Trans Union, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.

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 2015-11-13
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account under the promotional terms that I would receive a {$350.00} bonus for opening  a webster premier che cking account and doin g ONE of the following : 1.    Direct Deposit 2. 10 debit transactions 3. 5 bill pays I had 2 bil l pays on  XXXX  and  3 b ill pays on  XXXX  I also had a direct deposit on  XXXX .      Webster bank says I do n't qualify because 2 of th e bill pays are after  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX XXXX XXXX Please review the following public record. Verify directly with the court and not through PACER, the court address, docket number, balance, plaintiff and file date because it does not seem 100 % accurate to me. Delete from my credit report. 

XXXX Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

XXXX Bankruptcy XXXX NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management XXXX XXXX XXXX collection agency This company calls using a robo-caller and when I answer, the line is dead ; no one is on the line. We have been getting these and other calls for about two months. I called the number back and got this information. I have no debt for collection. My best guess is that I just got this new phone number and maybe the previous owner of the phone number was a deadbeat, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
American Express advertises " Earn a {$100.00} statement credit after you make a Delta Purchase with your new card within the first three months ''. I called both Delta and AmEx and verified the validity of the merchant, " XXXX '' and made a qualifying purchase. Now, AmEx Rep XXXX XXXX XXXX says the purchase is invalid. I say this is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: LTD Financial Services, L.P.
State: OH
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:
I had a personal and business checking account with XXXX bank and what they did was allowing companies to take money out of my accounts that was not there. The companies that XXXX allowed to do this bounced the accounts for fee 's and payments because they knew XXXX bank would pay because of their reputation. All of this was done electronically but not on my behalf. XXXX bank was notified of this and they did not to correct this errors on behalf of individual companies who did this maliciously and purposely with cruel intent on my behalf they did not protect me as a customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never missed a payment. Chase Mortgage Department has refused to acknowledge the proof of pavement I have submitted, the actual bank statements showing payment was submitted and money taken out of the account, including the last XXXX digits of the loan number. This has been going on since the beginning of XXXX with each representative saying the situation was, " being researched. '' After I faxed proof, I was told it takes days, up to a week, for them to actually receive the fax. Every time I called, I was told they did not have access to the fax yet. Finally, today, I stated, " I want you to physically look at my proof, now, while I am on the phone. " After 3 and a half hours on the phone, supposedly a work order has been submitted for review by the, " back office, '' and I am supposed to hear back within 48 hours. Everytime I have requested to receive acknowledgements in writing, I have been told Chase does not resolve disputes in writing, only verbally. I am now being told that even though I submitted evidence of every payment being taken out of the bank account, nonetheless, they have to figure out what they physically did with that payment before correcting the account. In the meantime, the account shows in arrears. After 1st telling me it was XX/XX/XXXX 's payment missing, then saying it was XX/XX/XXXX 's, they are now saying it was XX/XX/XXXX 's payment. I sent proof of all payments from XX/XX/XXXX through XX/XX/XXXX, 2016. Several representatives have said only one particular representative in XXXX can help me, however, there is no way for me to directly reach XXXX, when I call it goes to XXXX office. I am told there is no way to transfer me. Others have told me anyone who answers can help me. I have received conflicting stories from multiple representatives. I have spoken to a number of supervisors. Currently, a verbal promise has been made to research and resolve within 48 hours. I hope for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Dear Office of Transworld Systems Inc., I am writing in response to your letters dated XXXX XXXX, 2015, ( copies enclosed ) as I disagree with the account balances that your office has purchased. 

This is the first I 've heard from you, therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt ; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; * ( 4 ) Proof that you are licensed to collect debts in XXXX ( 5 ) Statute of limitations and how your office has determined if the amount are under or past the statute of limitations and for which state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have direct deposit with Bluebird Amex prepaid card. On XXXX XXXX I tried to pay my XXXX XXXX cell bill. Because I had not used the card for some time, I could n't recall the zip code I had on file with Amex. So the XXXX transaction, the rep of XXXX, processed declined due to me giving the wrong zip code. I guessed 5x's.They all declined, then I finally gave the accurate zip. And it was approved. Now why would Amex hold XXXX {$71.00} declined transaction. This is my paycheck, {$350.00} of my money has a hold. I am so perplexed about them holding funds for declined transactions. I ca n't get any cash of my paycheck. This is not credit. I need my funds to get released asap.I have XXXX and it should be XXXX approximately. Please help. They said I have to wait 7 days even declined transactions. I spoke with XXXX they stated they have to give the merchant time to collect on declined transactions. I need my money to pay bills. Please help get my funds off of hold status.

Company response to consumer: Closed with monetary relief